One of the best things a homeowner can do is to regular review their coverage for their coastal property insurance in New York. Insurance is a tricky matter. Although it is a plan for a future event, it is an event you hope does not happen. On the other hand, until it does happen, you cannot be certain that you have exactly the coverage you need. And once it does happen, you have no power to make adjustments. When choosing proper insurance, the best thing you can do is to carefully anticipate potential problems, and then make sure you have the coverage to adequately deal with those problems.
Two people are well-equipped to anticipate the special problems that can happen when owning coastal property. You are the first. You have a unique experience with the kind of wear and tear that can happen with homes located near the ocean. You are in a position to speak with your neighbors and add their experience to your own. Many of them may have suffered major damage at some point in their tenancy, and will have the experience to tell you what may have been strong or weak in their own insurance policies.
The second is your local representative for coastal property insurance in New York. They have the benefit of the experience of all of their clients, and can make sure you have a rock solid policy.