Key takeaways
- Check the flood zone and insurance cost first.
- Ask about the seawall and dock.
- Water depth and bridge height decide what boats you can use.
- Ask if the home has had storm damage.
A home on the water is a home and a boat dock in one. These seven questions help you see what you are buying.
1. What is the flood zone?
The flood zone changes what insurance you need and what it costs. Ask for it before you fall in love with a home.
2. What will insurance cost?
Call an insurance agent and ask for a real quote on the exact address.
3. What shape is the seawall?
A seawall holds the yard in place. Cracks, leaning, or washed-out soil can mean costly repairs.
4. Does the dock have permits?
Ask for proof that the dock, lift, or boathouse was built with the right permits.
5. How deep is the water, and how tall is the bridge?
Depth and bridge height decide which boats you can keep at your dock.
6. How far is it to open water?
Ask how long the trip is to the bay or the Gulf, and if there are no-wake zones on the way.
7. Has the home had storm damage?
Ask for repair records and permits. Your inspector should also check for water marks and past repairs.
This post is general information, not legal, tax, or insurance advice.