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Your coastal home faces a higher risk for damage from storms and flooding. However, a standard policy won’t cover flooding and might have a few requirements before it covers wind damage.
Make sure you understand what’s protected under your specific policy and when that coverage applies in case you need additional insurance.
Immerse your coastal home in flood and wind protection along with standard coverage for a well-rounded insurance policy. Coverage you may need includes:
Many coastal homes need the same type of homeowners insurance as homes in noncoastal areas. However, you’ll likely be required to have flood insurance if your home is in a high-risk flood area. You can find your flood risk by searching for your area’s flood map on the FEMA website.
In addition, condos will need condo insurance since this policy protects against specialized condo risks, such as coverage for shared spaces.
Reinforce your home’s coverage without paying the highest prices by using these four tips to lower your premium:
The main downfall you’ll find is that not every coastal home insurance policy protects you against the impending storms and hurricanes common to your area. Keep these factors in mind:
Different insurance companies include varying coverage options and requirements to protect your home against weather damage. Coverage may include wind damage, but you might have to shell out more of your own money for a separate wind or hurricane deductible.
Shopping around for home insurance and understanding your policy is essential to getting the best coastal home coverage.
Safe drivers and electric car owners could see cheap rates, but its claims process isn’t perfect.
Get a low-cost policy for liability expenses that exceed your car or home insurance coverage.
Learn about what will happen to your home loan when you die and how to avoid any nasty situations with some pre-planning.
Receive extra liability coverage with an umbrella policy from these top insurers, though they may require you to have car insurance through them.
From making a business plan and getting insurance to marketing and setting your prices — here’s how to start your own cleaning business.
Here’s where to get financial help for yourself and your business if you’ve been affected by the storm in February 2021.
Get an incentive to meet your existing health and fitness goals with a discounted premium.
Learn your policy options based on the type of transplant and your health status now.
Use your death benefits to help pay for medical expenses while you’re still alive.
Transform your home without leaving insurance gaps while your home’s under construction.
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