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Compare coastal home insurance

Bolster your home policy with extra coverage for weather damage, including hurricanes.

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.

Name Product Storm & water backup Valuable property Enhanced rebuild Homeshare coverage Available states
Lemonade home insurance
Enjoy straightforward pricing, transparent flat fee from this completely digital insurer.
Allstate home insurance
All 50 states
Protect your home and belongings and save even more by bundling insurance with Allstate.
USAA home insurance
All 50 states
Enjoy great rates and wide coverage with USAA. Available to military members and family.
Policygenius home insurance
All 50 states
This online marketplace does most of the work for you, matching you with quotes from 14 highly rated home insurers.
Liberty Mutual home insurance
All 50 states
Invest in affordable insurance that protects your home and your property from damage no matter where you live.

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What coverage do I need for coastal homes?

Immerse your coastal home in flood and wind protection along with standard coverage for a well-rounded insurance policy. Coverage you may need includes:

  • Flood. Make sure you have a separate policy to repair or replace your home from flooding caused by hurricanes or rainstorms.
  • Wind. Protect your home from wind damage, including damage related to hurricanes.
  • Water backups. Cover damage caused by overflowing drains or sewers so you’re protected for all kinds of water damage.
  • Dwelling and other structures. Detached parts of your home may face a higher risk of damage from storms, so protect your residence against physical damage.
  • Loss of use. Tuck this coverage into your emergency preparations to pay unusually high living expenses if you evacuate your home due to damage.
  • Liability. Whether guests get hurt in your pool or a drink spilled on their computer, you’ll get protection for injuries or property damage.
  • Belongings, or personal property. Storms and theft can harm your personal belongings too, leaving you to repair or replace them with insurance or out of pocket.
  • Replacement cost coverage. Add replacement cost to your dwelling or personal belongings coverage to ensure you can replace your home or belongings at today’s replacement cost. Without it, you’ll only receive the actual cash value after depreciation.
  • Valuables. Don’t let thieves, wind or storm damage sweep away your cherished jewels, prized art or other expensive possessions.
  • Loss assessment. Condo owners may need coverage to pay for damage to common areas like swimming pools, hallways, elevators or lounges.

Do different coastal homes have different insurance requirements?

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.

How can I get cheap coastal home insurance?

Reinforce your home’s coverage without paying the highest prices by using these four tips to lower your premium:

  1. Check local insurance companies. You might find wider coverage options and lower prices with local companies that understand your risks.
  2. Shell out less with seasonal home bundling. Keep your primary and seasonal homes on the same policy if you can get a discount or lower premium than with separate policies.
  3. Shore up theft and fire protection. Improve your home’s safety with deadbolts, fire extinguishers, fire or theft alarms, perimeter fencing or a smart home security system.
  4. Invest in wind and flood mitigation. Take measures to reduce your home’s damage risk and qualify for lower rates. For example, protect against wind damage by reinforcing doors and windows or adding hurricane shutters. Reduce your flood insurance cost by buying an elevation certificate, raising your home’s service lines above flood levels or installing flood vents.

What should I watch out for?

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:

  • Coverage for wind and flood. You may need to add wind coverage to your home insurance and purchase a separate policy for flooding. Standard home insurance doesn’t cover flooding damage.
  • Separate deductibles. Your home insurance might require a separate deductible for windstorms or hurricane damage, even if the policy includes these in your standard coverage. These deductibles may be a dollar amount or a percentage of your home’s dwelling coverage.
  • Excluded perils. Even if your home insurance covers standard wind damage, make sure your policy doesn’t specifically exclude wind damage from hurricanes. Check for other exclusions too, so you can buy extra insurance if needed.

Bottom line

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.

Frequently asked questions about coastal home insurance

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