Protecting Your Space Coast Home: Why Coastal Property Insurance Matters More Than Ever
Florida’s Space Coast—with its stunning beaches, vibrant communities, and space-age history—is a beautiful place to live. But for homeowners in Brevard County, especially in areas like Merritt Island and Cocoa Beach, owning property along the coast also comes with unique risks that make specialized coastal property insurance not just a recommendation—but a necessity.
Coastal Living = Coastal Risk
Living near the water has its perks, but it also means exposure to:
- 🌪️ Hurricanes and tropical storms
- 🌊 Storm surge and coastal flooding
- 🏚️ Saltwater corrosion that can damage building materials and infrastructure
- 🔥 Limited evacuation routes and emergency services during major storms
Barrier islands like Merritt Island and Cocoa Beach are particularly vulnerable because they sit between the Atlantic Ocean and the Indian River Lagoon—making them prime targets for high winds, rising tides, and storm-driven water intrusion.
Why You Need Specialized Coastal Property Insurance
Standard homeowner’s insurance may not be enough to cover the unique exposures of owning a home near the shoreline. Craig Appleman, an experienced Florida-licensed Property & Casualty Insurance Agent, works directly with top carriers that understand the Florida coast and offer tailored policies to protect high-value and waterfront properties.
Craig helps you:
- Identify hazard and flood risk exposures
- Compare policies with custom coverage limits
- Understand windstorm and hurricane deductibles
- Ensure compliance with lender and FEMA flood insurance requirements
- Prepare for future rate changes and insurance reform in coastal zones
Space Coast Expertise You Can Trust
With over a decade of experience insuring coastal homes across Florida, Craig Appleman focuses on helping residents of the Space Coast, including Satellite Beach, Merritt Island, Cocoa Beach, Melbourne Beach, and beyond. Whether you’re new to the area or reviewing your current policy, Craig offers free insurance reviews and personalized quotes designed to meet the needs of Florida’s waterfront homeowners.
📞 Call Craig Appleman today at 321-218-3880, ext. 4
📧 Or email craig@barefootins.com for your free coastal property insurance quote.
Don’t wait until the next storm is on the radar—protect your home now with a tailored coastal insurance strategy.
