Coastal Property Insurance
Coastal homes require more than your average homeowners policy because they face higher risks and perils than homes in areas less prone to damages. Coastal homes are susceptible to hurricanes, high winds, flooding, and more, and often are not a primary residence, making them even more unusual. Standard policies often have stripped down coverages due to the high risk nature of properties in coastal counties. This is why there are companies who specialize in covering these types of homes.