Waterfront Homeowners Insurance

Making sure vulnerable assets are well-protected.

Navigating the waters of coastal home insurance is increasingly challenging for homeowners throughout the country where luxury locations come with a higher risk of damage from wind and water. Insurance carriers, worried about their financial exposure to potential weather catastrophes, are increasingly refusing to cover waterfront property and those companies that remain are limiting their exposure/liability by raising rates, increasing deductibles and reducing coverage.

Our clients see reduced rates on their waterfront homeowners insurance.

Lang Insurance is committed to reducing the costs of waterfront homeowners insurance; it is one of our significant points of difference and a true competitive advantage. We work with the best carriers in this area and create comprehensive insurance programs that are competitively priced while providing superior coverage. We are experts in the intricacies of this specialized form of insurance and have a long history of serving clients with luxury waterfront homes, often in multiple locations.

We can insure waterfront homes in every state.

Lang Insurance is licensed around the country and helps reduce policy costs and improve coverage by working with the carriers that provide maximum flexibility in designing each policy to fit the exact needs of a client. We read between the lines, line by line, of each policy and help clients avoid the standard mathematical formulas often used to determine coverage for add on items such as contents and other structures or for services such as mold removal and excess flood coverage. Clients save a significant amount each year, and get superior coverage for their unique asset profile, by tailoring each policy to reflect the real costs of recovering from a loss.

Lang understands every aspect of waterfront-related insurance.

Lang Insurance has unique concerns regarding all of a client’s assets. We design complementary policies that bundle protections in the areas of home, auto fleets, flood, excess flood, worldwide excess liability, watercraft, and valuable items/collections. Even when homeowners trust they have adequate insurance, making a claim involving waterfront property can be an arduous process with many carriers. Lang Insurance’s clients have substantial assets and can always expect a focused, service-oriented insurance resource that chooses carriers carefully while working to meet their needs through the entire insurance process.

I was having problems with my insurance coverage on a house on Long Island near the water. I had recently switched providers because the company I had been with for years no longer wanted to insure properties in my location. Being aware of the difficulties we were having with our provider, my wife cut out an advertisement in a Long Island tabloid and gave it to me. I am not the type of person who would normally pursue something as important as insurance by means other than personal recommendation. However, since the Ad targeted my situation, I contacted Lang Insurance and spoke with Kevin Lang. I found him to be very solicitous and he followed up on everything I asked. He wound up getting my business and to date has been the most service oriented individual I have ever dealt with either in my business or personal insurance experience. I would not hesitate recommending him to others.

- A.S.

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These are some of our top-rated insurance companies:

These are some of our top-rated insurance companies