Choosing Homeowner’s Insurance for Your Waterfront Home

Choosing Homeowner’s Insurance for Your Waterfront Home

What does your homeowner’s insurance policy cover?

Your custom waterfront home from Shore-Line Construction is built to last. Sometimes, however, Mother Nature throws a curveball. For these situations, you will want to make sure your homeowner’s insurance will cover you in your time of need.

If your home is mortgaged, your lender will probably have their own set of criteria for how much insurance you will need. Your policy should include enough for the full replacement value of the home, as well as any outbuildings on the property, your belongings (particularly valuable jewelry and expensive furniture and electronics), and money to pay for a place to stay while you wait for your home to be fixed after a claim is filed.

Flood Coverage

Due to the proximity to water, waterfront properties are at a much higher risk for flooding than those further inland. Therefore, when coming up with your custom home budget, flood insurance should be factored into the monthly expenses. While building your new custom waterfront home is a fun and exciting process, it’s important to make sure you employ a certain amount of practicality.

Wind Coverage

Waterfront areas can get quite windy, particularly around hurricane season. Waterfront areas tend to be relatively flat, with very little to block high winds. Over time, the windy coastal weather can take its toll. A strong enough wind can take the siding right off! A lot of basic-level insurance policies don’t cover storm damage. When choosing your policy, make sure you’re covered if a storm tries to wreak havoc on your home.


At Shoreline Construction, we know that your home is a reflection of you. That’s why we strive to make each home we build as beautiful as the family who will live there. We work with each of our clients to design a home that fits their needs. The end result is a durable, energy efficient custom home that the family will enjoy for generations to come. Shoreline Construction has been serving our customers for over 25 years, and we look forward to the opportunity to help you!

If you’re interested in learning more about what Shore-Line Construction can do for you, check out our website or give us a call at 410-574-6623. Keep up with all of the latest news by following our blog and social media pages on FacebookYouTubePinterest, and Houzz!

This entry was posted on Thursday, October 18th, 2018 at 8:26 pm. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.