(508) 420-9011 • insure@mcsheainsurance.com • 1645 Falmouth Rd, Bldg D Centerville, Massachusetts 02632
Expert Care for Your Coastal Property
At McShea Insurance, we specialize in protecting high-valued coastal properties—an area where many agencies lack expertise. Here’s why we’re the right choice for your coastal home:
- Coastal Property Expertise: It’s our specialty. We’ve spent years perfecting our approach and understanding the unique risks coastal homes face.
- Exclusive Access to Niche Markets: Over the years, we’ve built strong relationships with carriers that offer coverage for coastal properties—relationships that other agencies don’t have.
- Long-Standing Commitment: When the 2008 crash caused many agencies to pull away from coastal property coverage, we dove in headfirst, ensuring our clients were always protected.
- White Glove Client Service: We provide exceptional, personalized service to every client. Our commitment to loyalty, transparency, and protecting what matters most sets us apart.
At McShea Insurance, our clients come first. We value your trust and are here to offer the protection and service your coastal property deserves.
Questions
How do I know if my high valued coastal property is properly insured?
To ensure your coastal property is adequately covered, we assess the replacement cost of your home, including any specialized construction features that might be unique to coastal areas. For higher-valued homes, we strongly recommend having a professional builder assess the property beforehand to ensure all aspects of the home are properly valued and covered in the event of a loss. This helps ensure that your coverage is aligned with the true replacement cost of your home.
Does my standard home insurance cover flood damage?
No, standard home insurance does not cover flooding. Coastal properties are more vulnerable to floods, so it’s essential to add flood insurance to your policy to protect against potential water damage from storms or rising tides.
Do I need additional coverage for wind or storm surge damage?
In many coastal areas, coverage for windstorm damage and storm surges may require a high deductible, additional endorsement or separate policy. There may also be stricter guidelines regarding the age of your home’s roof and material. We can help you secure the right coverage to protect against these specific risks.
What factors affect my premium for a high valued coastal home insurance policy?
Your premium is influenced by factors such as proximity to the coast, replacement cost, elevation of the property, protection class rating, year of updates, building materials, and the frequency of severe weather in your area. We work with top carriers to offer customized rates based on your property’s specific needs.
Can I get coverage for a vacation home or second property by the coast?
Yes, we offer tailored coverage for vacation homes, second homes, and investment properties along the coast. These properties may require specialized coverage due to their occasional occupancy and exposure to risks.
How can I protect my home from coastal weather risks?
We recommend measures like storm shutters, elevating your home, and installing storm-resistant windows to reduce potential damage. In addition, we offer specialized storm and flood protection endorsements to strengthen your policy.