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 contacted Lang Insurance from an advertisement and frankly, I was not sure anything would come of it. For the past several years my insurance premiums have been going up and I felt they were excessive based on the actual replacement value of my home. Nevertheless, I was unable to convince my broker or insurance carrier to lower the coverage to its proper level. Kevin Lang took on the project and he was successful in getting my home in Sag Harbor, NY and my apartment in NYC and my automobiles and excess liability insurance covered at approximately 1/2 the amount – saving me approximately $10,000 per year.

- S.L.