🛡️ Coastal Insurance Guide
Published by Scott Lehr, PA at RESF and The Listing Team
Why Coastal Insurance Is Different
Living by the ocean offers beauty and lifestyle perks — but it also brings unique risks that standard insurance may not cover. Coastal homeowners face challenges from salt air, flooding, hurricanes, and high winds.
This guide breaks down the essentials of getting the right coverage and explains what to look for in a policy designed to protect your coastal investment.
What to Look for in Coastal Coverage
- Wind & Hurricane Protection – Not all standard policies cover hurricane-force winds.
- Flood Insurance – Often purchased separately through FEMA’s National Flood Insurance Program (NFIP).
- Salt Damage Riders – Some insurers offer add-ons that protect metal, roofing, and HVAC exposed to salt air.
- Replacement Cost Coverage – Essential for high-value coastal properties to rebuild without depreciation.
- High Deductible Options – Coastal areas often come with windstorm deductibles ranging from 2–5% of home value.
🎥 Video: Understanding Coastal Insurance
Top Insurance Providers for Coastal Florida
- ✔️ Citizens Property Insurance Corporation
- ✔️ Frontline Insurance
- ✔️ Tower Hill
- ✔️ Universal Property & Casualty
- ✔️ TypTap Insurance
Note: Availability and pricing may vary depending on region, storm history, and home features.
💡 Looking for a maintenance kit to help reduce claims?
Download the Coastal Maintenance Kit