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.

 

 

Lang Insurance is the antidote to the mass marketed insurance industry's assault against waterfront homeownership. Availability of, and the premiums for homes anywhere near the water have risen exponentially in the last few years. We can't think of another business that has raised its prices as much as the home insurance industry. We had started considering moving away from the area. But, luckily I spotted an advertisement for the Lang Agency and haven't stopped smiling since. Kevin recommended a specialized insurance company with rates that more accurately assess and reflect true risk. He followed up, clarified, and negotiated on our behalf and put together an excellent insurance package for our home and cars–not a "one size fits all", but a tailored insurance solution. We couldn't be happier and completely recommend the services of Kevin Lang and his competent and friendly staff.
- K. L. and S. C.