coastal homes & Second homes 

"When I purchased a seasonal second home in the Adirondacks I was surprised to find how expensive the insurance quote was with my existing carrier, and then was shocked when the company declined coverage when they realized the distance from a fire department.  Not only did GoodWorks find exceptional coverage for me under their Second Home program, but the cost was more than 50% less than the original quote I received from my carrier before they declined coverage. Now all of my personal and commercial insurance is with GoodWorks, and not only have I saved significantly on my insurance in the process but the service has been absolutely top-notch.  I couldn't be happier with GoodWorks Insurance!" - Homeowner and Business Owner, Connecticut & New York

Coastal Homes

Due to decreasing risk tolerance and increased losses from hurricanes and other inclement weather in recent years, many insurance carriers are no longer writing insurance on coastal properties, forcing homeowners to obtain expensive coverage with their  state’s insurance fund or carriers with high premiums and mandatory high wind deductibles.

At GoodWorks Insurance we understand the growing needs of coastal homeowners and we are focused on tailoring coverage to your individual needs. As such, we have developed access to an excellent standard insurance program designed to provide top-tier coverage on your primary or secondary coastal home, all at a very affordable price.

 Program Coverage Highlights:

• Program available in Massachusetts, New Jersey, New York and Rhode Island (additional restrictions may apply in Connecticut).
• No coastal proximity restrictions (flood insurance required in some zones).
• No mandatory hurricane deductible on primary home; 2% on seasonal secondary.
• Free personalized home inspection and review designed to prevent losses.
• Safe Home, Loss Free, New Home and Security System credits/discounts.
• Landlord policies available for up to four-unit properties.
• Highly rated insurance carriers with strong financial backing.

Second Homes

At GoodWorks we realize it is sometimes difficult to place insurance on your vacation home, especially if your primary residence is in another state or insured with a different insurance carrier.

We have developed access to special markets for your secondary vacation home that are designed for responsible insureds who want maximum coverage at an affordable price.

Our insurance provider offers the only program of it's kind that includes a personalized in-home visit to make sure you are insured with adequate limits and that you are receiving all of the options and discounts you deserve.

Here are some of the discounts and credits offered to responsible insureds.

• New Home
• Renovated Homes
• Safe Home Credit
• Loss Free Credit
• Protective Devices
• Age 50 plus Credit
• Account Credit
• Renewal Credit

For further details, please contact our coastal and secondary homes specialist Deborah Wright, CIC, at dwright@goodworksinsurance.com. 

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