--- title: 5 Things You Need to Know When Buying Waterfront Property description: Before buying a waterfront property, buyers should be aware of several factors to ensure that they are purchasing a home they can enjoy for years to come. image: https://blog.theislandsrealty.com/hubfs/RiveIsleCoverShot.jpg --- [![Logo](https://blog.theislandsrealty.com/hs-fs/hubfs/Logo.png?width=450&name=Logo.png "Logo")](https://www.theislandsrealty.com) [![Logo](https://blog.theislandsrealty.com/hs-fs/hubfs/Logo.png?width=300&name=Logo.png "Logo")](https://www.theislandsrealty.com) - [HOME](https://www.theislandsrealty.com) - [LOCATION](https://www.theislandsrealty.com/location) - [LIFESTYLE](https://www.theislandsrealty.com/lifestyle) - [COMMUNITY](https://www.theislandsrealty.com/community) - [RESIDENCES](https://www.theislandsrealty.com/residences) - NEWS/EVENTS - [OUR BLOG](https://blog.theislandsrealty.com) - [PHOTO GALERY & VIDEOS](https://www.theislandsrealty.com/media-gallery) - [CONTACT US](https://www.theislandsrealty.com/contact-us) ![banner-blog](https://blog.theislandsrealty.com/hs-fs/hubfs/RiveIsleCoverShot.jpg?width=1920&name=RiveIsleCoverShot.jpg "banner-blog") - [The Islands on the Manatee River (58)](https://blog.theislandsrealty.com/topic/the-islands-on-the-manatee-river) - [boating and golf community (32)](https://blog.theislandsrealty.com/topic/boating-and-golf-community) - [Waterfront community Sarasota Florida (29)](https://blog.theislandsrealty.com/topic/waterfront-community-sarasota-florida) - [new waterfront homes florida (25)](https://blog.theislandsrealty.com/topic/new-waterfront-homes-florida) - [things to do in sarasota (25)](https://blog.theislandsrealty.com/topic/things-to-do-in-sarasota) # 5 Things You Need to Know When Buying Waterfront Property December 1, 2016 by [Roy Premer](https://blog.theislandsrealty.com/author/roy-premer) 0 Comments - - - - ![Waterfront Property](https://blog.theislandsrealty.com/hs-fs/hubfs/RiveIsleCoverShot.jpg?width=350&name=RiveIsleCoverShot.jpg "Waterfront Property")Buying a home on the water is an investment not only in property, but also in your happiness. Waterfront properties can bring years of enjoyment and relaxation, providing you with the home of your dreams. Before buying a waterfront property, buyers should be aware of several factors to ensure that they are purchasing a home they can enjoy for years to come. ***Related Blog: [Advantages of Having a Private Dock vs. Keeping your Boat in a Marina](http://blog.theislandsofrw.com/advantages-of-having-a-private-dock-vs.-keeping-your-boat-in-a-marina)*** Waterfront properties may be subject to natural beach erosion and storm damage. Before purchasing a home on the waterfront, you should research the area, and check the property to make sure it will withstand whatever Mother Nature may have to offer. A home situated slightly inland with direct access to the ocean, or homes located on other water sources like a river such as The Islands community will still offer stunning views and many of the benefits of a luxury waterfront home without the same level of the concern. When purchasing a waterfront property, you should be aware that you may need additional insurance, including hurricane and flood coverage. These important policies will help make sure that your home can be repaired if any damage is suffered during these uncontrollable events. Your real estate agent, condo association, or insurance agent will be able to help you determine what coverage you need to purchase to protect your investment. Unique to The Islands on the Manatee River, flood insurance is not needed. Foresight in the development stage of the community resulted in waterfront lots being elevated above the floodplain. Many people considering a home on the water enjoy boating and fishing. If you are a boat owner, or think you may wish to purchase a boat in the future, you should consider what storage options and access you will have with your boat. Some communities provide docks, and others have easy access. You will want to make sure getting your boat out on the water is easy and convenient so that you can get maximum enjoyment out of your property. Purchasing a home on the water is a big decision, and all factors should be considered. Look for a property that will suit your needs now and in the future, and consider ease of access to the local and community amenities. If weather damage is likely, consider purchasing additional insurance to protect your investment in your home. A home on the water can bring you and your family years of relaxation and enjoyment, providing the unique benefits of living at the shore. With careful consideration, you are sure to find the property of your dreams. [Contact](http://theislandsofrw.com/contact-us/) The Islands today to schedule a tour and find your dream luxury waterfront home! [![New Call-to-action](https://no-cache.hubspot.com/cta/default/465801/0e4d6fea-122f-4c21-90e9-598cee589ff0.png)](https://cta-redirect.hubspot.com/cta/redirect/465801/0e4d6fea-122f-4c21-90e9-598cee589ff0)   [Waterfront community Sarasota Florida](https://blog.theislandsrealty.com/topic/waterfront-community-sarasota-florida) [waterfront property](https://blog.theislandsrealty.com/topic/waterfront-property) #### Related posts - [Boating News | JUNE 2023](https://blog.theislandsrealty.com/boating-news-february-2021) - [Top 6 Dock and Dine Restaurants on The Manatee River](https://blog.theislandsrealty.com/top-6-dock-and-dine-restaurants-on-the-manatee-river) - [5 Reasons why People Retire in Sarasota, Florida](https://blog.theislandsrealty.com/5-reasons-why-people-retire-in-sarasota-florida) - [10 Things That Make Sarasota the Perfect Place for Your Second Home](https://blog.theislandsrealty.com/10-things-that-make-sarasota-the-perfect-place-for-your-second-home) ### Recent Posts ![feature image](https://blog.theislandsrealty.com/hubfs/DSC_6898-1.jpg) [Rio Vista Estates - over 75% SOLD OUT](https://blog.theislandsrealty.com/our-new-neighborhood-rio-vista-estates) May 24, 2023 ![feature image](https://blog.theislandsrealty.com/hubfs/TheIslands-Boat-ManateeRiver.jpg) [Boating News | JUNE 2023](https://blog.theislandsrealty.com/boating-news-february-2021) May 24, 2023 ![feature image](https://blog.theislandsrealty.com/hubfs/The-Islands-Local-Holiday-Guide-2020-v3.jpg) [All You’ll Want For Christmas: 15 Local Holiday Events for 2020](https://blog.theislandsrealty.com/all-youll-want-for-christmas-15-local-holiday-events-for-2020) December 18, 2020 ### Posts by Topic - [The Islands on the Manatee River (58)](https://blog.theislandsrealty.com/topic/the-islands-on-the-manatee-river) - [boating and golf community (32)](https://blog.theislandsrealty.com/topic/boating-and-golf-community) - [Waterfront community Sarasota Florida (29)](https://blog.theislandsrealty.com/topic/waterfront-community-sarasota-florida) - [new waterfront homes florida (25)](https://blog.theislandsrealty.com/topic/new-waterfront-homes-florida) - [things to do in sarasota (25)](https://blog.theislandsrealty.com/topic/things-to-do-in-sarasota) - [REQUEST BROCHURE](https://www.theislandsrealty.com/home?scrollto=the-form-brochure) - [CONTACT US](https://www.theislandsrealty.com/contact-us) - [941.208.1213](tel:9412081213) Do you want to live in paradise? 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