Homeowners Insurance Tips For Your 30A

Luxury Homes

Homeowners Insurance Tips For Your 30A Luxury Homes

Owning 30A luxury homes on the beach could be amazing, but at the same time, there are certain risks or natural hazards that a homeowner should prepare for to ensure their safety and maintenance of their property.

Homeowners Insurance Tips For Your 30A Luxury Homes

Obtaining homeowners insurance coverage is a smart decision, especially for those living on or near the waterfront. And if you are getting a mortgage, the lender will require it.

Homeowners Insurance Tips For Your 30A Luxury Homes

Here are 4 tips to remember about getting homeowners insurance coverage for your 30A luxury home:

Homeowners Insurance Tips For Your 30A Luxury Homes

1. Your home along 30A is considered to be in an area called a “barrier island” by insurance carriers. Owners of homes along 30A should consider purchasing flood insurance, whether it is required by the lender or not.

Homeowners Insurance Tips For Your 30A Luxury Homes

2. Insurance experts have such a thing as a proper “hurricane insurance equation” which is:

Homeowners + Flood + Wind = Hurricane insurance

Homeowners Insurance Tips For Your 30A Luxury Homes

3. Know the primary flood zone classifications along 30A:

● AE Zone: This is found in lower lying areas found near creeks and

lakes. Lenders require insurance for homes along the AE zone

● VE Zone: This covers beachfront homes or homes within close

proximity to the beachfront. Lenders require flood insurance for

homes in the VE zone.

● X Zone: This area has only a 0.2% chance, or low to moderate risk

of flooding. Insurance coverage is not required in the X zone, but

it is still strongly recommended that homeowners purchase

insurance coverage anyway.

Homeowners Insurance Tips For Your 30A Luxury Homes

Homeowners Insurance Tips For Your 30A Luxury Homes

4. Regardless of your flood zone, your homeowners insurance coverage is not truly comprehensive without flood insurance.

Homeowners Insurance Tips For Your 30A Luxury Homes

Having a homeowner’s insurance is an essential part of buying a home along 30A. If you have questions about purchasing insurance coverage for your home, contact an insurance carrier or ask your agent with years of experience in buying or selling 30A luxury homes for sale. You can also visit my website at www.30ALuxuryHomes.com

Homeowners Insurance Tips For Your 30A Luxury Homes

Call me, Debbie James at 850-450-2000. Let me provide you with all the information and tools you need to make your dream 30A luxury home a reality.