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What Is Coastal Property Insurance?

Also called coastal homeowners insurance or beach house insurance, this type of coverage is specifically tailored to the unique risks that come with owning a home near the coast — namely storm and water damage.

Since homeowners insurance doesn’t typically cover the types of events that coastal homes are predisposed to (such as floods, wind, and hail), policies for coastal properties are generally more comprehensive. This type of coverage is ideal for anyone who owns property within a couple miles of the water.


Top Risks of Owning Beachfront Property

In addition to the typical risks associated with homeownership, owning beachfront property comes with a unique set of hazards. Common risks that coastal property insurance can help mitigate include:

  • Damage from windstorms, hurricanes, and named storms
  • Flood damage
  • Legal liability
  • Damage to personal property

Who Needs Coastal Property Insurance in Massachusetts?

Anyone who owns property along the coast — whether as a primary residence, holiday home, or vacation rental property — should carry a coastal property insurance policy. It’s important to keep in mind that even though your home may not be directly along the shore, it still may need coastal coverage if located within a certain proximity. Coastal property insurance is strongly recommended for:

  • Homeowners with beachfront property
  • Homeowners whose property is located in close proximity to the ocean
  • Homeowners who plan to rent their property as a vacation home
  • Homeowners who live at their coastal property full time
  • Homeowners who use their property as a second residence

Types of Coastal Property Insurance Policies

The coverages that coastal property insurance offers may differ depending on your unique situation, but these are the most common:

  • High-value home insurance: Special insurance designed for homes that exceed $1 million in value and typically covers valuable contents and other structures on the property.
  • Umbrella insurance: Backup coverage that helps you pay for legal defense or court-ordered settlements if the limits on your home insurance are not enough.
  • Flood insurance: Covers direct physical damage caused to your home as a result of a flood.
  • Vacation home insurance: Coverage designed for homes that aren’t primary residences where policies are typically written on a “named perils” basis.
  • Rental property insurance: Protects you and your rented property from covered damages and liabilities.
  • Windstorm deductible: A deductible for repairs needed as a result of wind damage.
  • Hurricane deductible: A deductible for repairs needed as a result of hurricane damage.
  • Named storm deductible: A deductible for repairs needed as a result of a named storm.
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What Does Coastal Property Insurance Cost?

On average, homeowners insurance in Massachusetts costs $1,300 annually (based on $250,000 in dwelling coverage) but you can generally expect policies that cover coastal properties to be more expensive. When it comes to determining premiums, there’s no one-size-fits-all approach, and what you’ll pay for your coverage varies.

Factors that help determine coastal property insurance premiums include:

  • The value of your property, including your home and any additional structures
  • Types of insurance coverage selected
  • Claim history and risk profile
  • Where your property is located
  • Deductibles and policy limits

Types of Incidents & Claims Covered by Coastal Property Policies

When you submit a claim, you can expect the following items to be covered by your policy:

  • Damage to the dwellings on your property
  • Loss of or damage to your possessions
  • Legal liability
  • Lodging expenses if you’re displaced by a disaster on your property
  • Flood damage
Why Choose C&S For Coastal Property Insurance?
  • We get you the most competitive rates. With access to all the top insurance carriers, we can give you more options than other agencies. More options mean more competitive pricing and, quite often, better terms.
  • We maintain a dedicated Claims Department, so there’s always someone on hand to support you when something goes wrong. A dedicated claims department also means your claims get closed out faster, which is key to maintaining a healthy loss history.
  • We know Massachusetts insurance. Our team of local insurance industry experts has years of experience helping Massachusetts residents just like you, so we know what matters most.
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Coastal Property Insurance FAQs
What does coastal property insurance in Massachusetts cover?

Specific event coverages will depend on the types of supplemental insurance you add to your policy.

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Is coastal property insurance required in MA?

Homeowners insurance of any kind is not required in Massachusetts. However, it is strongly recommended that you carry a policy.

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How much does coastal property insurance in MA cost?

When it comes to determining policy premiums, there’s no one-size-fits-all approach, and what you pay will depend on several factors that are unique to your situation.

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What is the best insurance for coastal property owners?

Every home and property is unique, which means that there’s no “best” option — only what’s best for you.

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Is coastal property insurance worth it? What happens if my home is not properly insured?


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Protect Your Coastal Property Investment Today

Your home is too important to be left vulnerable to the risks that come with living by the water. Discuss a coastal property insurance policy with a C&S Insurance agent today — a small investment now could protect your home in the future.

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