Insuring Florida Waterfront Homes
Insurance for homes on the river, at the beach or on the lake
Your waterfront home may look out over salt or fresh water, a flowing river or a peaceful lake. All bodies of water present the same range of hazards, although tidal rivers, creeks and the ocean include a few more. All bodies of water pose a flood hazard, some more than others, but anyone living on any waterfront should seriously consider flood insurance to supplement their homeowner insurance policy. Home insurance covers a broad range of risks, from fire to wind damage; homeowner insurance also provides coverage for your personal property - your homes contents and your personal possessions. And another home insurance coverage component not to be overlooked is liability insurance - protection for damage to the property of others or injury to visitors to your home and even off your property.
Contact us about insurance options and quotes for your Florida waterfront home
Attractive nuisance on the waterfront
Liability insurance coverage can be especially important if your home is on the water. A legal doctrine called 'attractive nuisance' will hold a property owner if a visitor, invited or not, becomes injured as a result of some property feature - like access to water. Home owners not taking reasonable precautions to prevent injury or drowning can be held liable in a lawsuit. Liability insurance provides one line of defense against legal action but the best thing to do is to use fencing and gates to limit access to water.
Contact us about insurance options and quotes for your Florida waterfront home