Coastal Home Insurance


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Waterfront homes, coastal properties, island homes, and homes near the coast all by nature face a higher risk of damage from wind, water, flooding, storms, hurricanes, nor’easters, and extreme weather. Gowrie Group understands the complex, multidimensional risks these properties – and their owners – face. Our team has great expertise at creating comprehensive insurance programs to protect these often hard to insure coastal properties.

In addition to advising clients on how best to insure and protect their valuable coastal property or island home, our team also has extensive expertise in helping clients navigate the complex seascape of primary and excess flood insurance, flood zone determinations, elevation certificates, and FEMA.

Insurance solutions for coastal properties of all types:

  • Waterfront, coastal, and ocean properties
  • Vacation, seasonal, rental, and secondary homes
  • Island homes (Nantucket, Martha’s Vineyard, Fishers Island, etc.)
  • High-value and luxury homes

Coverage available includes: