Things to Consider when Buying Waterfront Real Estate

Real Estate Agent with RI Real Estate Services ~ 401-529-7849~ RI Waterfront Real Estate

Things to Consider when Buying Waterfront Real Estate.  If you are ready to put an offer in on a coastal RI real estateWaterfront RI real estate property there are a number of things to consider:  homeowners insurance for coastal area, flood zones, structural lower level wash away walls, etc.   On the water, water view or just by the water there are challenges as you should be aware living by the water in Rhode island real estate . 

Hurricane or storm surge windows and construction meeting home insurance requirements must be considered.  

 A waterfront RI real estate property has challenges sometimes meeting current insurance requirements depending upon the year built.

waterfront ri real estateYou want to ensure that any home inspection process for you covers all aspects of a coastal review to meet current codes.    From roofing tiles to pilings or supports of the oceanfront home, these are not points to be overlooked.  Otherwise, you will be need to factor that onto after purchase costs to own your coastal home.

Knowing your flood zone and requirements for maintaining the integrity of the waterfront home is necessary.  The flood zone determination should be part of the purchase and sales process and not left to the listing side. Ensure your real estate agent is skilled and knowledgeable in these areas.

 Be aware that flood zone maps changed in the fall of 2010 ( primarily due to Hurricane Katrina and weather changes) and all coastal RI towns have them on file.  Find out the classification of the flood zone for your potential coastal RI real estate purchase.  Depending upon your flood zone classification, the annual cost will vary.

It is all part of making the waterfront RI real estate home on Narragansett Bay or the Atlantic Ocean come together for you in any purchase.  Thinking of buying waterfront RI real estate?  Time to talk with me about your wants and needs.  I would love to help and am knowledgeable in waterfront home purchases, so reach out to me at 401.529.7849 to set up an appointment now. Things to Consider when Buying Waterfront Real Estate.


Ginny Lacey Gorman is a North Kingstown Realtor who works and knows the North Kingstown RI geographic area of homes for sale, schools, happenings and important tidbits of information well.

Waterfront, water view, ocean front, luxury and coastal Rhode Island real estate are my specialty.  If your considering Buying, Selling or Relocating to Rhode Island and need a real estate Professional it would be my pleasure to help you!    When you are in need of an internet savvy RI realtor® who sells homes in this real estate marketcall Ginny today at 401.529.7849 or email her at
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This blog © and its contents is original to Ginny Lacey Gorman

the RI waterfront Realtor of Choice


Ginny L. Gorman, a purveyor of Fine RI Waterfront Real Estate   

Specializing in waterfront, ocean front, vacation, coastal and luxury homes for sale in North Kingstown, South Kingstown, Narragansett, Jamestown, Charlestown, East Greenwich, Exeter, West Greenwich RI and beyond ...  I sell dreams!  Because there is no place like home...the RI Real Estate Agent in the Sparkly Red Shoes.


Looking for a knowledgeable Rhode Island Real Estate Agent?  Let me GOOGLE one for you!


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Gita Bantwal
RE/MAX Centre Realtors - Warwick, PA
REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel

Ginny, This is good information for buyers considering buying a waterfront home.

Sep 27, 2012 10:47 PM #1
Dorie Dillard CRS GRI ABR
Coldwell Banker United Realtors® ~ 512.750.6899 - Austin, TX
Serving Buyers & Sellers in NW Austin Real Estate

Good morning Ginny,

Lots to consider when purchasing a piece of water front real estate.....buyers better enlist Ginny Gorman to represent them to help navagate the particulars when making a water front property purchase! 

Sep 27, 2012 10:53 PM #2
Winston Heverly
Winston Realty, Inc. - Atlantis, FL

It is often said that isn't the state of Florida in a flood zone? Good info Ginny sell, sell, sell.

Sep 27, 2012 10:58 PM #3
Janis Borgueta
Key Properties of the Hudson Valley - Newburgh, NY
LIC RE Salesperson

Good info Ginny.. as always buyers need to be informed on the pros and cons of a specific home. It does cost more to live in a home on the waterfront, but the benefits are ENORMOUS... those views, the smell of the ocean and the beautiful beaches.. are all a perfect scenario... as long as  you know this info going in.

Sep 27, 2012 11:26 PM #4
John McCormack, CRS
Albuquerque Homes Realty - Albuquerque, NM
Honesty, Integrity, Results, Experienced. HIRE Me!

Great information Ginny.  Did you know our desert too has flood zones......

Sep 28, 2012 12:23 AM #5
Kevin J. May
Florida Supreme Realty - Hobe Sound, FL
Serving the Treasure & Paradise Coasts of Florida

Ginny, this is always a point of contention here.  I used to believe that homeowners insurance was a savior until we began hearing "that's not covered" all too often.  Makes me wonder about the bedfellows they're making,   

Sep 28, 2012 02:06 AM #6
Anita Clark
ColdwellBanker SSK Realtors ~ 478.960.8055 - Warner Robins, GA
Realtor - Homes for Sale in Warner Robins GA

All the more reason to use the services of Ginny Gorman, to make your waterfront real estate purchase in RI as smooth as possible.

Sep 28, 2012 03:44 AM #7
George Souto
George Souto NMLS #65149 FHA, CHFA, VA Mortgages - Middletown, CT
Your Connecticut Mortgage Expert

Ginny, there are a few more thing to consider when purchasing a waterfront property, that is why it is best to be represented by a Realtor like you that is familiar with what to watch out for.

Sep 28, 2012 04:57 AM #8
Ginny Gorman
RI Real Estate Services ~ 401-529-7849~ RI Waterfront Real Estate - North Kingstown, RI
Homes for Sale in North Kingstown RI and beyond

There is such a checklist but I'm not giving all my waterfront touch points away here...that is why clients use me because i do drill down, know the engineering people, town people, state people to call to get the right information.

Sep 28, 2012 07:02 AM #9
Katerina Gasset
Get It Done For Me Virtual Services - Wellington, FL
Get It Done For Me Virtual Services

Hello Ginny,Great feature here! This is definitely an essential fact for all the interested buyers out there.Great job! Continue doing great as number one North Kingstown Short Sale Agent. 

Sep 29, 2012 03:23 AM #10
Bas Panch
SCV Home Buyer - Valencia, CA

Hi Ginny,

This is great information for anyone considering buying waterfront property. Great job, thanks for sharing and keep up the good work as a top North Kingstown short sale agent!

Oct 05, 2012 11:46 AM #11
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Ginny Gorman

Homes for Sale in North Kingstown RI and beyond
Need help Selling or Buying RI real estate? Call me
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