Coastal Homeowners Insurance
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Protect your waterfront property with coastal homeowners insurance.
Coastal homes are some of the most desirable on the market because they offer a variety of luxuries to homeowners - breathtaking views, access to boating and other watersports and gentle breezes off the water. However, they are also quite at risk, usually during hurricanes or other strong storms that cause large waves and a rising tide. Homes near the water are not known for being inexpensive, so if you don't have insurance, you might literally watch your investment wash away.
If you own a coastal Long Island home or a Georgia property right on the Atlantic Ocean, coastal homeowners insurance is a real necessity. Your policy should include things like:
- Wind Insurance - Even if you aren't dealing with a hurricane, winds coming off the water can become incredibly strong and do a lot of damage quickly.
- Flood Insurance - This is not a normal part of basic home insurance, so we usually recommend that homeowners (regardless of where they live) purchase it. In the case of waterfront homes, you may want to invest in as much flood insurance as possible since the chances of water entering your home are much greater.
- Basic homeowners insurance that covers things like the structure of your home, replacement costs, personal possessions and living expenses in the event that you can't live in your home for a period of time.
Living in a waterfront home, whether it's in Long Island or Savannah, involves great risk and also great reward; don't move in to your home without proper coastal home insurance in place. Call Keats Agency today at 888.804.5744, or fill out our easy online contact form and we will be in touch with you.