Get In Touch For a Quote
A representative will reach out to you shortly.
Did you know that Texas ranks near the top of the nation in weather-related property damage each year?
Make sure your coastal property is ready if disaster strikes.
The Nitsche Group Takes A Personalized Approach to Coastal Property Coverage
Homeowners in Coastal Counties are often faced with limited insurance options and are usually left to choose from stripped-down policy coverage. But with a Coastal Home Insurance policy with The Nitsche Group, you don’t have to settle for second best when insuring your home. Our unique data source helps us more accurately assess the risks to your home and property enabling us to provide a premium quote— often at a lower premium.
At The Nitsche Group, we are in the business of protecting your piece of paradise with our coastal home insurance policies. Come high or low tide, our team will be by your side to help you through the insurance process. Our knowledgeable agents are here to answer all of your questions and create a policy specifically tailored to your needs.
What is Considered A Texas Coastal Property?
Texas coastal homes are not limited to waterfront properties. In Texas, our coast is designated into tiers by TDI (Texas Department of Insurance). If your home or property is in one of the following counties listed below, you qualify for our Coastal Insurance Program.
A-F
Aransas
Bee
Brazoria
Brooks
Calhoun
Calhoun
Cameron
Chambers
County
Dewitt
Fort Bend
G-L
Galveston
Goliad
Hardin
Harris
Hidalgo
Jackson
Jefferson
Jim Wells
Kenedy
Kleberg
Liberty
Live Oak
M-Z
Matagorda
McMullen
Nueces
Orange
Refugio
San Patricio
Victoria
Wallacy
Wharton
What Does Homeowners Insurance Cover?
A Homeowners Insurance Policy can cover damage caused by such perils as fire, lightning, and vandalism– with more policies and endorsements available to cover additional perils.
Risks to Coastal Properties
When imaging coastal risk, most people immediately think of flooding from the ocean.
Unfortunately, Homeowners insurance does not cover loss by flooding—and that’s not all. Coastal homes are also in danger of coverage exclusions for other events like high wind and hail.
Deductibles
Damage resulting from wind or hurricanes will have their own deductible separate from your typical homeowners policy and will typically be a percentage-based deductible.
Flood
We offer flood coverage to compliment our coastal homeowners insurance policies— meaning all your policies are serviced by a dedicated team with The Nitsche Group.
We believe that the insurance for your coastal home is incomplete unless you have flood insurance in addition to your homeowners insurance. To protect yourself from losses caused by most flooding, you should supplement your homeowners insurance with purchase a flood policy.
When should I get a policy?
As soon as possible. If you live in a coastal county, you should have a standing policy in place. Once a storm begins brewing, it’s too late. When a hurricane enters the Gulf of Mexico, you can no longer change or purchase new coverage.
Offices Across the Lone Star State
Learn more about our other Texas offices, locations, and services today!
Stop by anytime to say “hello” or to speak with one of our team members about finding an insurance solution for your needs. We are always happy to chat. To speak to an insurance professional in your area or to get a quote for your commercial or personal insurance needs, give us a call.
