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Weichert Home Owner's Insurance:

Some insurance coverages are difficult to underwrite and may result in higher premiums. Coastal properties, including properties within 1 to 3 miles of a body of water, are becoming more difficult to place. Dwellings with Exterior Insulation Finish System, or EIFS are practically uninsurable. This is a synthetic stucco-cladding used on exterior walls. Since no provision for water drainage was made the water penetrates and causes rot, mold, and decay. The insurance industry has become more reliant on credit history and insurance claims history of customers. Ownership of certain breeds of dogs, exotic pets, pools and trampolines, etc., are additional concerns to insurance carriers, and will effect the placement and pricing.

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