Coastal Properties

As the property managers or owner of a coastal property, you know how difficult it is to obtain insurance coverage.  Your property might be two miles inland, but an insurance carrier may rate your property as coastal - leading to higher deductibles and/or increased premiums.  The frequency and severity of coastal storms has made underwriting very difficult and insurers are becoming more conservative.  That doesn't mean you have to settle for substandard insurance.  You do have a choice and we are here to help present you with options.

We take the time to fully evaluate both your needs and your property to ensure you are getting the coverage that is the right fit for your situation.   It is important to be careful when choosing insurance, as some companies will sell policies with limited coverage leaving you vulnerable in the event of a claim.  You may not even be aware of the limitations with these sub-standard policies until you file a claim.

Our coastal property insurance programs include:

  • Landscaping
  • Outdoor property - fences, light poles, fountains, and gazebos
  • Seawalls, docks, and piers
  • Beach and lake erosion
  • Glass including Balcony Railing Glass
  • Damage to covered property below the traditional insurance 3% or 5% of Total Insured Value deductible

And, claims payment as early as days after covered loss payment event.


Call Chuck Wise today to find out more about our hurricane, windstorm coverage, and our full suite of insurance for coastal properties.