EZ Coastal Homeowners Insurance in Delaware Protect your home with HOMEOWNERS INSURANCE Because of its coastal location, Delaware homes have a unique exposure to loss. You can depend on the EZ Coastal Insurance team to get it right, quickly and conveniently. Over 9,000 homeowners in the Mid-Atlantic region turn to Heist Insurance Agency to handle the intricacies of coastal home and flood insurance. Our collective experience in living, working and insuring homes at the coast for over 55 years means you can enjoy the benefits of coastal living without worry. Let's get started! Unique Risks for Delaware Homeowners Because of its location near the Atlantic Coast, Delaware is somewhat vulnerable to tropical storms, although the Delmarva Peninsula and the outer banks of North Carolina provide a large buffer. The buffer helps Delaware avoid major hurricanes, and mostly it sees the remnants of a tropical system that has already come ashore and released most of its energy. Special Policy Conditions for Delaware Homes Living in an area affected by frequent hurricanes and tropical storms, such as the Atlantic Coast area, means your homeowners policy will likely have several deductibles. All states bordering the Atlantic Ocean have some form of a special wind deductible. A deductible is the amount you pay before the insurance company pays for a covered loss. You can expect to see a standard deductible, a windstorm deductible and a hurricane deductible. The amount of the deductible may be a flat amount, or more likely will be a percentage of your home's building limit. It's important to check your policy before a loss so you can plan for your out-of-pocket expense should you have damage from a storm.Delaware homeowners policies will also include sub-limits of coverage for some high risk perils, like mold, water and sewer back-up, freezing pipes and more. Besides location, occupancy also plays a part in risk; many homes are seasonal, rental properties or primary homes. Each occupancy needs a different level of coverage, and markets will vary according to the risk. Your policy may contain special conditions, like keeping heat on or draining pipes if you are away from your home in the winter. If you rent your home, you will need a special endorsement on your policy. Depend on the team at EZ Coastal Insurance to explain all your options clearly and help you choose the coverage that works for you. You can count on us to make insurance EZ! Whether you live in the beach towns of Lewes or Rehoboth Beach, quaint riverfront communities like Delaware City or historic areas like New Castle, Delaware makes a great place to raise a family, work or vacation. At Heist Insurance Agency, we will put together a policy that is right for you where you live, how you live and when you live at your home.At Heist Insurance Agency, we make it EZ to get the protection you need to enjoy the coastal life you've worked hard for. We will put together a policy that is right for you where you live, how you live and when you live at your home.