Get free, no obligation quotes from multiple providers

State Farm Insurance Allstate Insurance Farmers Insurance American Family Insurance Unitrin Insurance Travelers Insurance

HOMES NEAR THE BEACH

Living a stone throw away from the beach sounds like a dream come true. Your own backyard is the ocean and you can enjoy the paradise lifestyle in your own backyard anytime. However there are a few concerns when renting cottages or homes near the beach. It's not always paradise if something does go wrong and you are left with a drenched home and damaged goods.

Beach Living and Insurance

One of the biggest concerns when looking into homes to rent near the beach is the risk of natural disasters. Floods, earthquakes, hurricanes - all of these things can impact your house if you are close to the ocean. The reason is because a storm surge can occur which means the rising ocean levels can flood your home. Even earthquakes bring risk of tsunamis or tidal waves which can wipe out entire homes located close to the beach and ocean.

Having your house wiped out by a disaster is devastating to say the least. However, in most instances your insurance will cover it if you have adequate renter's contents protection. Furthermore, the structural damage will need to be taken care of through the landlord, not through you.

However, the bad thing about living near the beach is that it may not be possible to actually get contents insurance. Many providers know that there is too great of a risk living near the beach and thus will actually not offer insurance to those living too close or near a flood plain area. If this is the case then you might have to rent and risk it which is never recommended, especially when you are in a natural disaster prone area.

If you do find a provider that will insure you, then you can expect to pay higher than the average renter for your coverage. Again, this is because the risk of living near the beach is so much higher than other areas for damage. Furthermore, when living close to the beach you need to have other precautions in place, just in case.

Emergency Plans Near the Beach

Make sure you have a good evacuation plan in place. What this means is that everyone in your family knows where to go if there is a flood or earthquake warning. You will most likely need to leave home just in case either to an evacuation center or to someone else's house on higher ground and away from the direct line of fire of the ocean. Make sure you have an evacuation plan in place as soon as you move in as you just never know when you might need it.

You should also have an emergency kit in place. What this is are provisions to last for at least three days. This is how long it might take for help to come. When your home is damaged you can expect the power to be out and most of your food to go off. Having clean water, tinned food, dried fruits and other provisions can go a long way. Have these items stored in a cool dry place such as in a water proof container on the top floor of the house. That way you can access it when you need it.

Homes near the beach offer lovely views and a holiday like lifestyle. However, keep in mind that the honeymoon stage can be over like that if something does go wrong. If you are moving to a rental property near the beach, look into insurance before going and always set up an emergency kit and evacuation plan upon moving in.

Learning Center