Ask about replacement cost and ordinance or law coverage. Older homes can cost more to repair than newer ones, and after a major loss current building codes may require changes such as raising the home. Ordinance or law coverage helps pay for that added cost.

It usually helps a great deal, because the living area sits above expected flood levels. An elevation certificate documents that height. Enclosed areas below the home are treated differently, so tell us how the ground level is used.

Many homeowners policies do not cover short-term rentals, or cover them only in a limited way. Tell us how often the home is rented and we’ll place it with a carrier that allows it.

With its own boat policy, covering the hull, motor, equipment and your liability. Ask how the policy handles named storms, including any requirements for moving or securing the boat when a hurricane is forecast.