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Coastal / Wind-Exposed Home Insurance - Let us find your best coverage - coverage for homes near the coast
Coastal homes face hurricane and windstorm risk, separate wind deductibles and limited carrier options. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Coastal / Wind-Exposed Home Quote Request
Applicant Information:
Have these handy
- Property address, year built and square footage
- Roof age and type, and heating / electrical updates
- Current declarations page
- Claims in the past 5 years
- Wind mitigation inspection report
Related coverage
Coverage details
What Coastal / Wind-Exposed Home coverage includes
Coastal homes face hurricane and windstorm risk, separate wind deductibles and fewer carrier options. Carriers price coastal property on distance to the water, elevation, construction type, roof shape and age, and the building code in effect when the home was built. We often combine a homeowners policy with separate wind and flood coverage to close the gaps.
- Dwelling - Repairs or rebuilds the home after fire, wind, theft and other covered losses.
- Windstorm - Wind and hail, often with a percentage deductible.
- Personal property - Furniture, clothing and belongings, at home or away.
- Loss of use - Hotel and extra living costs while the home is repaired.
- Personal liability - Injuries to guests and damage you cause to others.
- Hurricane / named-storm deductible - Usually 1% to 5% of the dwelling limit instead of a flat dollar amount.
- Other structures - Detached garages, docks, fences and sheds, subject to policy limits.
- Ordinance or law - Extra cost to rebuild to current coastal building codes after a loss.
Good to know: wind mitigation features like impact windows, roof straps and a newer roof can earn large credits on the wind portion of your premium.
Not covered: flood and storm surge, which need a separate flood policy. See the flood options below.
Insurance Application:
Coastal / Wind-Exposed Home
Required forms
Homeowners (HO-3) Application (PDF)
Coastal / Wind-Exposed Home Supplemental Application (PDF)
Flood and wind supplements (add any that apply)
NFIP Flood Supplemental Application (PDF)
Private Flood Supplemental Application (PDF)
Excess Flood Supplemental Application (PDF)
Windstorm / Hurricane Supplemental Application (PDF)
Wind-Only / Wind Pool Supplemental Application (PDF)
Download, complete and email to info@societiesinsurance.com, or attach them with your quote request.
Contact details
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
- Mon-Fri 8:00am - 6:00pm, Sat 9:00am - 12:00pm
Coastal homes explained
How coastal home insurance works
Insuring a home near the coast is different from insuring a home inland. In many coastal counties, standard carriers limit new policies or exclude wind altogether, so the right answer is often a package of policies rather than a single one. We compare admitted carriers, surplus lines markets and state plans to build coverage that fits your home and your budget.
Hurricane and wind deductibles
Most coastal policies carry a separate hurricane or named-storm deductible, usually 1% to 5% of the dwelling limit. On a $500,000 home, a 2% deductible means you pay the first $10,000 of a hurricane claim. We can quote more than one deductible so you can compare the price difference.
When wind is excluded
Where carriers exclude wind, coverage comes from a separate wind-only policy, often through a state wind pool or FAIR plan, such as TWIA in Texas, Citizens in Florida, or the coastal plans in the Carolinas and Alabama. It is paired with a homeowners policy that covers everything else.
Wind mitigation credits
Impact-rated windows and doors, roof-to-wall straps or clips, a hip roof, secondary water barriers and a newer roof can lower the wind portion of your premium. A wind mitigation inspection documents these features so the carrier can apply the credits.
Flood risk
Why flood is the risk most coastal homeowners miss
Standard homeowners policies, including coastal and high-value forms, exclude flood. That means storm surge, tidal water, overflowing rivers and heavy rain that collects around the home are not covered. Flooding is the most common and costly natural disaster in the U.S., and just an inch of water inside a home can cause thousands of dollars in damage to floors, walls and furniture.
- Storm surge is a leading cause of hurricane damage along the coast, and it is always a flood loss, not a wind loss.
- Heavy rain and poor drainage can flood homes miles from the water, and many flood claims come from moderate- and low-risk areas, where premiums are typically lower.
- Flood maps change. FEMA updates flood zones over time, and a lower-risk zone does not mean no risk.
- Lenders may require it. If your home is in a high-risk Special Flood Hazard Area (zones starting with A or V) and has a federally backed mortgage, flood insurance is required.
Putting it together
How homeowners and flood insurance work together
Your homeowners or wind policy
- Wind, hail, fire, lightning and theft
- Rain that enters through a roof or window damaged by wind
- Loss of use, so you can live elsewhere during repairs
- Personal liability for injuries and property damage to others
Your flood policy
- Rising water, storm surge and wave wash
- Overflow of rivers, lakes and the ocean onto normally dry land
- Mudflow caused by flooding
- Building and contents, up to the limits you choose
During a hurricane, one storm can mean two claims. Wind damage goes to your homeowners or wind policy, and water damage from surge or rising water goes to your flood policy, each with its own deductible. Adjusters separate wind damage from water damage, so carrying both policies avoids gaps and disputes when it matters most.
- Waiting period: new NFIP policies generally take effect after 30 days, with limited exceptions such as coverage required at a loan closing. Don't wait until a storm is in the forecast.
- NFIP limits: up to $250,000 for the building and $100,000 for contents on a home. NFIP does not pay for additional living expenses and limits coverage in basements.
- Private flood can offer higher limits, replacement cost on contents, loss of use and shorter waiting periods, depending on the carrier.
- Excess flood adds coverage above NFIP limits for higher-value coastal homes.
Coverage options
Flood and wind coverage we can add
NFIP Flood
Federal flood insurance for homes and contents, available in participating communities.
NFIP Flood quote NFIP Flood supplement (PDF)Private Flood
Higher limits and broader coverage than NFIP, often including loss of use.
Private Flood quote Private Flood supplement (PDF)Excess Flood
Sits above an NFIP or primary flood policy for homes worth more than NFIP limits.
Excess Flood quote Excess Flood supplement (PDF)Windstorm / Hurricane
Wind and hurricane coverage where your homeowners carrier limits or excludes it.
Windstorm quote Windstorm supplement (PDF)Wind-Only / Wind Pool
State wind pool and FAIR plan placements for homes standard carriers won't write for wind.
Wind pool quote Wind pool supplement (PDF)Homeowners (HO-3)
The base policy for your dwelling, belongings and liability, with wind and flood added as needed.
Homeowners quote Homeowners application (PDF)Helpful flood resources
Check your flood zone and learn more about the National Flood Insurance Program from FEMA.
This is a general overview. Coverage, deductibles and availability vary by carrier, state and policy form, and the policy itself controls. Call 800-616-3490 and we will walk you through your options.