Property insurance coverage for residential and commercial properties in coastal areas often does not cover windstorms. Varieties of cooperative programs are available through state wind plans but some private carriers are available to provide this needed coverage. All coastal windstorm policies are subject to large deductibles, either as a flat amount or as a percentage of the limit of insurance. Flood coverage is also needed and available through the National Flood Insurance Plan (NFIP). Because the NFIP limits are often inadequate, excess coverage above those limits is available. This explanation of insurance benefits is provided by Insurance Marketplace.