Coastal Home Insurance

We’re here to help protect your coastal home.

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A home near the water can be a great place to live—and a sound real estate investment. But coastal living comes with its own unique set of risks. Cook Maran has the coastal home insurance experience, knowledge and expertise you can count on to protect your investment—and the home you treasure.

The insurance broker trusted by coastal homeowners for decades, our team possesses an in-depth knowledge of the unique risks associated with coastal living and solid relationships with the top insurers of coastal properties to help you effectively manage those risks.

We understand the limitations of coastal home insurance policies—and how to manage them.

Flood Insurance

At Cook Maran, we believe that the insurance for your coastal home is incomplete unless you have flood insurance in addition to your homeowners insurance.

Hurricane Deductible

Typically a percentage of the dwelling’s coverage, this percentage and the dollar amount are specifically spelled out in each policy. Hurricane deductibles are triggered when a hurricane makes landfall in a defined area.

Wind Deductible

A wind deductible is triggered for any wind-related losses—including tropical storms and nor’easters, or even just common wind events—and is typically a percentage deductible like the hurricane deductible. Cook Maran can ease frustration and confusion after a loss by helping you understand the difference, and explaining how your policy would respond.

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