Tips on Getting Homeowners Insurance for Your 30A Luxury Homes

Tips on Getting Homeowners Insurance for Your 30A Luxury Homes

Beachfront living in your own 30A luxury home is amazing. However, there are certain things you should consider before buying a waterfront home, like the bigger risk of natural disasters such as floods and hurricanes.

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.

Here are a 4 tips to remember about getting homeowners insurance coverage for your :

1. 1. Your home along 30A is considered to be in an area called a “barrier island” by insurance carriers. Owners of should consider purchasing flood insurance, whether it is required by the lender or not.
2. 2. Insurance experts have such a thing as a proper “hurricane insurance equation” which is:

Homeowners + Flood + Wind = Hurricane insurance

1. 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 in 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.

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

Agents will recommend that you get homeowners insurance coverage when you buy a . Cliche as it may sound, “it’s better to be safe than sorry.” If you don’t have homeowner’s insurance yet, protect your family and your investment from natural disasters by getting your home insured now. Visit my website at

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.

Debbie James
Broker Associate
Somers & Company
Accredited Luxury Home Specialist
“When Quality Service & Experience Matter”