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.

On Sunday there was a flood on the entire 4th floor of my New York City apartment building. An insurance adjuster came to see my apartment and explained the specific things that the Coop insurance policy would and would not cover. He then asked me who my insurance company was and I told him “PURE”. He said that “you put yourself in good hands” and that I should thank my insurance agent for that. He said that PURE was a very sophisticated and thorough company. So thanks to you Kevin Lang, PURE is already working on assessing the damages and resolving my claim.

- G.G.

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These are some of our top-rated insurance companies:

These are some of our top-rated insurance companies