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Fairfield County Bank Insurance Services Blog

All You Ever Wanted to Know About Insurance

Homeowners Insurance in a Shoreline Community

Owning a home in a Shoreline Community is a wonderful experience, there are so many great activities that are available in these areas! However, getting proper Homeowner's Insurance for your coastal home may not be as easy. That's where Fairfield County Bank Insurance Services comes in to help. 

There are 36 Shoreline Communities in Connecticut stretching from Greenwich to Stonington. Finding the best Homeowners Insurance solution within those communities may be a challenge due to their proximity to water. 

Coastal Homeowners Insurance policies typically include a Hurricane Deductible separate from your standard Property Insurance Deductible. In most cases the amount of the deductible is either 2% or 5% of the Replacement Cost of your property. In the event of qualifying Storm, the deductible can impose a substantial financial burden for the owner.

Fairfield County Bank Insurance Services is a leading agency in providing comprehensive Homeowners Insurance solutions for all qualifying shoreline properties. We have a close partner relationship with Narragansett Bay Insurance Company; a premier insurer of shoreline properties. Their insurance product is competitive and offers the broadest coverages available, including 


Homeowners located within a Flood Zone (Check Here) will be required by their Mortgagee to maintain Flood Insurance on their property. Fairfield County Bank Insurance Services has numerous insurance options in addition to the National Flood Insurance Program.

Fairfield County Bank Insurance Services brings a wide variety of insurance solutions to shoreline homeowners.