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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.
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If your child gets sick or injured and has to take time away from college, tuition insurance can reimburse you for what you already paid.
Get $3K in rainy-day funds for up to six of your lovable woofs and meows.
Learn what to expect from the blood test portion of your paramedical exam.
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Learn when your home insurance policy would and wouldn’t pay to remove this building material.
Take advantage of the lowest minimum coverage rates by earning all the discounts you can.
Get your loan payments covered when you experience a disability and can’t work, but with limited coverage.
Disability insurance typically pays out between 40% and 80% of your income, but will depend on the type of policy you have.
With landfall expected Friday, know what your current policy covers and how to get federal government disaster relief.
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