COASTAL OAKS INSURANCE

What COASTAL OAKS INSURANCE does

Coastal Oaks Insurance is an independent insurance agency founded in 2019 and headquartered in Raleigh, North Carolina (License #1000623451). The agency distributes personal and commercial insurance products on behalf of multiple carriers, offering home, auto, fire, flood, theft, workers' compensation, and general liability coverage. Its primary customer segments are roofers and contractors, with a secondary segment of individual consumers seeking personal lines coverage. The agency operates with a small team of three agents — Larry, Tammy, and John — and is differentiated by John's specialization in roofing and contractor General Liability insurance, a niche he has worked in since 2014.

The business model is commission-based: the agency earns commissions on policies sold through its carrier appointments rather than underwriting risk itself. Pricing is quote-based and not publicly disclosed; customers initiate engagement via the company website (built on GoDaddy GoCentral) or by calling listed phone numbers for a free insurance needs assessment. The go-to-market motion is direct-to-consumer and sales-led, relying on personal agent outreach, free assessments, and relationship-driven conversion rather than digital marketing or self-service quoting.

There is no proprietary technology platform, mobile application, API, or integration layer supporting the business. Operations are conducted through traditional agency channels — phone, web contact forms, and in-person consultations — with no evidence of AI/ML tooling, data infrastructure, or automation. The agency operates regionally within North Carolina, though its listed phone numbers carry Florida area codes, suggesting possible cross-state activity. No institutional funding, M&A activity, or corporate parentage has been disclosed.

Name

COASTAL OAKS INSURANCE

Legal name

Coastaloaksinsurance

Website

https://coastaloaksinsurance.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Coastal Oaks Insurance is an independent insurance agency founded in 2019 in Raleigh, NC, offering home, auto, fire, flood, theft, workers' compensation, and general liability coverage, with a specialty in roofing and contractor insurance distributed via three agents.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

akta.pro secondary industries

Flood Insurance (FSAJACAG), Umbrella Insurance (FSAJAMAK)

Keywords

• Independent insurance agency
• Home and auto insurance
• Workers compensation insurance
• General liability insurance
• Roofing contractor insurance

Headquarters

HQ city

Raleigh

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Insurance Agency Commissions: As an insurance agency/brokerage, Coastal Oaks Insurance likely earns revenue through commissions on insurance policies sold to customers. The company accesses multiple insurance products from various carriers to match customer needs.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels2 records

Core offering

Coastal Oaks Insurance is an independent insurance agency that matches customers with home, auto, fire, flood, theft, workers' compensation, and general liability policies from multiple carriers, with a specialty in roofing and contractor coverage. The agency provides free personalized assessments and quotes via phone, website, and in-person consultations from its Raleigh, NC office.

Product overview

Coastal Oaks Insurance is an independent insurance agency offering a portfolio of personal and commercial insurance products. The company provides access to multiple insurance products including Home, Auto, Fire, Flood, and Theft insurance for individuals, as well as Workers' Compensation and General Liability insurance for businesses. The agency specializes in serving contractors and roofers, offering specialized roofing insurance products. The company connects clients with multiple insurance carriers to find appropriate coverage at competitive prices.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Insurance Property insurance coverage protecting homeowners against losses from covered perils such as fire, theft, flood, and other unforeseen events.
• Auto Insurance Vehicle insurance coverage providing protection against financial loss from accidents, theft, and other vehicle-related incidents.
• Fire Insurance Specialized coverage protecting against fire-related damages to property and assets.
• Flood Insurance Coverage for damages caused by flooding, a distinct peril often requiring separate policies from standard home insurance.
• Theft Insurance Protection against losses from theft and burglary of personal or business property.
• Workers' Compensation Insurance Coverage for employees injured or disabled in the course of employment, providing medical benefits and wage replacement.
• General Liability Insurance Coverage protecting businesses against claims from third parties for bodily injury, property damage, and personal injury.
• Roofing Insurance Specialized insurance coverage for roofing contractors, providing tailored protection against risks specific to the roofing industry.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves3 records

Expansion highlights2 records

Broad incumbents

• State Farm: Largest U.S. personal lines P&C insurer, selling through captive agents across home, auto, and small commercial lines. Comparable as the dominant incumbent competing for the same personal and small-commercial customers.
• Allstate: Major U.S. P&C carrier offering home, auto, and commercial coverages through captive and independent agents. Comparable as a broad incumbent competing in both personal and commercial lines.
• Travelers: Large national P&C insurer with a strong commercial insurance franchise including workers' comp and general liability for contractors. Comparable as a key carrier partner competitor for the same contractor book.
• Nationwide: National P&C and commercial insurer offering home, auto, workers' comp, and general liability through independent agents. Comparable for the multi-line P&C brokerage model and small-commercial offerings.
• Liberty Mutual: National P&C insurer offering personal lines plus commercial coverages including workers' comp and general liability. Comparable for the multi-line product overlap and contractor-target segment.

Regional players

• Frankenmuth Insurance: Regional P&C carrier distributing through independent agents across the Mid-Atlantic and Southeast, including personal and commercial lines. Comparable as a regional competitor and potential carrier partner for Coastal Oaks.
• Erie Insurance: Regional P&C insurer with a strong Mid-Atlantic/NC presence offering home, auto, and small commercial through exclusive agents. Comparable as a competitor anchored in the same North Carolina market.

Direct peers

• Brightway Insurance: Franchise-model independent insurance agency offering home, auto, and small commercial coverage from multiple carriers. Comparable as a direct competitor in the independent agency channel with similar commission-based economics.
• Goosehead Insurance: Independent insurance agency franchise operating across multiple states with a multi-carrier brokerage model focused on personal lines. Highly comparable as a similarly structured independent agency scaling through agent recruitment.

Emerging players

• Hiscox Insurance: Specialty insurer and broker focused on small-business commercial insurance including general liability and contractor coverages. Comparable for the small-commercial/contractor book that Coastal Oaks targets.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about COASTAL OAKS INSURANCE