When you own a home or other property within a certain distance from a coastline, it’s important to protect your second home with the right insurance coverage. Shore property insurance is a bit different from standard homeowners insurance, which will cover damage from fire, but it may not cover damage from floods. Shore property insurance accounts for the differences between inland and coastal environments. You may experience more damage for a home located on the shore due to a tropical storm or hurricane than one located farther inland.

This will mean getting the right balance of coverage – at the right cost – for your situation. You may also be required to get certain types of additional coverage if you are in a designated flood zone or coastal region, such as flood insurance. Flood insurance provides building property coverage and personal contents coverage to help you recover. Flood insurance does not cover all damages. These differences can be sorted out with the help of Muller Insurance.

Does your shore property have a swimming pool or do you have a boat or jetski? You are at a greater risk if someone gets hurt on your property. Having umbrella insurance could protect you if something happens.

Many people rent out their summer home for part or all of the summer season. Muller Insurance can help sort out if you will need to carry special insurance like business insurance, landlord or tenant-occupied dwelling insurance.

Muller Insurance is your go-to for shore property insurance. Operating throughout Atlantic, Cape May, Monmouth, and Ocean Counties in New Jersey, as well as in New York, Connecticut, Pennsylvania, and other states, Muller Insurance can help guide you through the world of coastal insurance and get you the policy you need.