Coastal Homeowners Insurance in Connecticut
Living on the Connecticut Shoreline is a dream. The views, the breeze, the lifestyle and it’s why you call Guilford home. But that beauty comes with unique risks. When the forecast turns, you need absolute confidence that your biggest investment is protected from nor’easters, hurricanes, and the specific challenges of coastal living.
Our personalized policies are specifically designed for the needs of shoreline residents. We are the perfect fit for:
- Owners of waterfront or near-water properties.
- Anyone living in a designated flood zone.
- Homeowners seeking clarity on wind, storm surge, and flood coverage.
- Families who have invested in the shoreline lifestyle and want to protect it.
Living near the coast comes with unique risks such as hurricanes, high winds, and flooding. Having the right insurance ensures you’re protected from these unpredictable events. Whether you need additional coverage for storm damage, or help navigating complex flood zone regulations, our expert team provides tailored solutions to keep your coastal property secure. Don’t leave your shoreline home vulnerable, invest in the protection it deserves.
True Coastal Expertise
We don’t just sell insurance on the shoreline; we are experts in it. We understand the nuances of flood zones, elevation certificates, and hurricane deductibles, and we translate that knowledge into a better policy for you.
Access to the Right Carriers
Not all insurance companies are comfortable with coastal risk. As independent agents, we partner with top-rated carriers who specialize in shoreline properties, finding you excellent coverage where others can’t.
Your Local Partner, Before & After the Storm
When you have a question, you call our Guilford office. When you have a claim, you have a local advocate on your side. We’re here to provide dedicated support when you need it most.
Dwelling Protection
Is flood damage included in my coastal home policy?
Absolutely not. This is the most critical detail for every shoreline homeowner. A homeowners policy—even a coastal one—
What is a hurricane or windstorm deductible?
Many coastal policies have a separate deductible for damage from named storms. Instead of a flat dollar amount (e.g., $1,000), it’s often a percentage of your dwelling coverage (e.g., 1%, 2%, or 5%). For a home insured for $500,000, a 2% hurricane deductible would be $10,000. We will make sure you clearly understand your specific deductible.
How much dwelling coverage do I need for a shoreline home?
You need enough to cover the full
Don't Wait for the Next Storm
Your coastal home is too important to leave to chance. Let our local experts ensure you have the specialized protection you need.