Living on the beach is a unique experience, with unique challenges. As with any Ponte Vedra real estate for sale, each property has its advantages and disadvantages. If you are willing to shoulder the disadvantages of a beach home, you will enjoy the benefits and advantages so much more. From the beautiful ocean views to the relaxed and laid-back atmosphere, homeowners in beach communities rarely regret their purchase – especially with the right type of flood insurance.
Coverage
There are two policies you should look at for your Ponte Vedra Beach property: Flood Insurance and Excess Flood Insurance. Standard flood insurance policies cover damages due to rising water (flooding) in accordance with the guidelines outlined by the National Flood Insurance Program. There is also Excess Flood Insurance policies you can obtain, which will cover flood damages in excess of $250,000 that your standard policy will not cover. An Excess Flood insurance policy may also provide coverage for the contents of your home.
Where You Can Get More Information
When you are looking at quotes for flood insurance, it is always a good idea to ask the insurance agent a large variety of questions. Obtaining quotes from more than one company is imperative, as you can then best compare rates, coverage and overall customer service. To get your search started, you can find detailed information online at Floodsmart.gov. The website provides contact information for agents in your area, flood stories, interactive tools, your flood risk based on your address, and many other resources.
Better Safe Than Sorry
Living on one of
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