Owning a home on the coast can be considered the dream of a lifetime. Because coastal communities can be prone to unpredictable tropical storms and hurricanes, this dream could become a nightmare without coastline insurance.
Separate Deductibles Can Apply for Coastal Homes
A regular homeowner’s policy may not cover damages caused by winds that exceed normal levels, especially in areas prone to wind damage from hurricanes and tropical storms. Some policies may also exclude damages directly caused by hurricanes. In addition, policies may have separate deductibles for damages caused when a tree falls on your house due to high winds from a tropical storm vs damages caused when a tree falls on your house on a normal windy day.
Protect Your Home to Reduce Damage
Even though you may not be able to avoid these storms, there may be some things that you can do to reduce the amount of devastation and damage that occurs if a storm hits.
- Clean your gutters and make sure they slope away from your house
- Trim branches and remove trees that may be dying
- Install windows and patio doors that are impact-resistant
- Install storm or hurricane shutters
- Install exterior doors that have a minimum of three hinges and a 1-inch long deadbolt
Flood Damage Excluded
Neither regular homeowners insurance policies nor coastline insurance policies can cover flood damage. If your home is damaged by flood waters, you may not be covered unless you have purchased special flood insurance from the Federal Government.