When a Consolidated client purchased a second residence on the waterfront of Maryland’s Eastern Shore, asking the right questions uncovered risks they had not considered. We did a complete risk assessment, discovering that the home sale involved new ownership of a boat as well, and designed a watercraft policy to address this risk. We also learned that the home was in a flood zone and, even though not required by the mortgage lender, incorporated a flood policy to address this substantial risk. Given the new levels of exposure from both home and boat, our client agreed that umbrella coverage was a wise choice. Looking at the entire picture, not just what was necessary for the home purchase, delivered this success story.