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Waterfront Homes
Insurance Carriers

Obtaining Homeowner insurance near the ocean has
become a major concern over the past few years.  Homes
that are within one mile of the water are particularly difficult to insure.  Resolving this challenge has become a particular expertise for Pilgrim Insurance Services.

The major concern of insurance companies is damage caused by wind.  Contrary to popular belief, the fear of the major insurance carriers is not damage caused by flooding.  Flood coverage is not part of a typical Homeowner Policy.  Flood damage is covered under a separate Flood insurance policy – another area of expertise here at Pilgrim.  Flood policies are often required by mortgage lenders for homes near water and are backed by the U.S. Government (FEMA).

Coastal homes are vulnerable to the high winds of hurricanes and other coastal storms.  Insurance companies use computer programs to predict the eventuality of storms that can cause major wind damage and therefore have assessed policies for homes close to the ocean with high premiums, high deductibles or both.

Given the proximity of our agency office to the ocean and our experience in Connecticut Shoreline communities, we specialize in securing coverage for our waterfront clients.  we represent Excellent rated carriers such as Middlesex Mutual, Chubb Group and PURE Insurance Company that work with us to get your valuable home covered properly.  We work for our clients to minimize premium cost and the wind deductible – in some cases even being able eliminate the wind deductible all together.  Many companies insist on high wind deductibles that leave the homeowner exposed to very high repair costs if wind damage does occur.

We work closely with our customers, our insurance company underwriting partners, and your real estate agent (if applicable) to navigate the red tape and secure the coverage you need for your prized home at the most competitive cost.  Our experience in insuring the beautiful and valuable homes in Madison, Guilford, Branford, East Haven, Clinton, Westbrook, Old Saybrook and other Connecticut shoreline towns will give you confidence to let Pilgrim Insurance Services get the best Homeowner’s Policy for you.

To get a waterfront or near water home insurance quote click on the Get a Quote button or call or email our office.


Some Helpful Information Regarding Home Insurance

Hurricanes and High-Value Homes?


Waterfront Home Insurance
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Pilgrim Insurance Services 786 Boston Post Road Madison, CT 06443 203-245-8948