house next to body of water

The Pros and Cons of Living Near Water

If you’re tired of the hustle and bustle of the city and have grown bored with the slow, almost static sensation of the suburbs, moving out to the country and next to a lake or by the sea is a great way to enjoy a change of pace. New Jersey has a treasure chest of stunning lakes and a location next to the ocean, and these destinations are often enough to encourage people to pack their bags, sell their homes, and live by the water.

It sounds like a dream, right? For many, it is, but it’s not all fun in the sun. As enjoyable and relaxing as living near water can be, there are some issues you must consider before making your move. For the sake of balance, we have put together a thorough list of the top pros and cons of living by the water so you can get an idea of what to expect.

Pros of Living Near Water

Water Sports and Swimming

Is there anything more enjoyable than spending a day on the water? Residents both young and old can enjoy the wonders that come from a day out on the water, whether in the boat, paddle boarding, or enjoying a thrilling jet ski ride.

Living by the water means you can do this whenever you like. You don’t need to wait in line or use old, worn-out equipment because you have everything you need in your home. You can get out first thing before the crowds or you can wait until everyone goes home to enjoy a tranquil canoe ride in the place you now call home.

A Stunning View

If you’re tired of waking up every morning and staring out across the street at your neighbor picking up their newspaper, a lake or ocean-side property could be the answer. On the New Jersey coast, you are treated to a stunning sunrise every morning, which is always a reason to get out of bed. Even homes that aren’t eastern-facing can enjoy the wash of pinks, reds, and purples as the sun rises or sets, and you’ll wonder how you ever lived without it.

Peace and Quiet

Lake and ocean side homes are typically further apart than houses in the suburbs and the city. This means you can enjoy some privacy and peace. You will no longer be awakened by the neighbor mowing their law on a Saturday morning, and you don’t need to worry about road traffic or even house parties late at night. Instead, you can sit down, relax, and enjoy the soothing sounds of flowing water and rustling branches in the coastal wind.

Learning New Skills

While most people who move close to water already have an affinity for water sports and woodland living, it can be beneficial for even the most sheltered city slicker. This shouldn’t put you off, though, because moving to live near water will give you the chance to learn new skills, including building a campfire or fishing.

A Fruitful Investment

One major factor which attracts many people to purchase waterside properties is the investment potential. As these properties are in limited supply, they are always in high demand. If you make substantial renovations and improvements, you could gain a significant return if you decide to sell it in the future.

Cons of Living Near Water

Home Maintenance

Living by the water brings a range of home maintenance issues you wouldn’t deal with on a landlocked property. Issues like humidity and erosion mean you need to keep a careful eye on your house’s condition to make sure it stays safe and livable. You’ll also need to keep up-to-date on property codes, which could increase home maintenance fees and end up draining your savings more rapidly than you expected.

Mother Nature’s Wrath

Only a fool would think they can outsmart Mother Nature. While natural disasters can happen anywhere, living by the water increases the chances of encountering severe issues that could put your property in jeopardy.

Floods, landslides, and wind damage can all impact your property and could damage it beyond repair. If you own a property by the water, investing in flood insurance and other policies that protect your home from acts of Mother Nature provides crucial peace of mind. Keep in mind you may already be required to purchase flood insurance depending on your proximity to water.

Interfering Wildlife

As your home is situated further out, there is less incentive for wildlife to keep to themselves. Homes near the water are encroaching on certain wildlife’s habitat, so you may need to deal with curious animals. You may come across white-tailed deer, as well as squirrels, possums, and raccoons who want to say hello or build a den under your porch.

There are also mosquitoes and other bugs to worry about as they love to stay around water, so don’t forget to invest in plenty of bug spray.

Safety Issues

As enjoyable as it can be to live away from the city, there are some safety concerns to worry about.

Carelessness can lead to injuries and it can be more difficult to contact emergency services if required. It may also be more difficult for them to get to you, as you are more remote than you would be in the city or suburbs. Your kids may also be at risk if they play too close to the water and are not strong swimmers or not wearing life jackets.


If you buy a property in a popular tourist destination, you may quickly realize that you are not as secluded as you initially believed. Many lakes and stretches of ocean attract tourists from all over the state, so you may encounter some disturbances as tourists enjoy the fun and games that the water brings. Some might even venture a little too close for your liking.

Life by the Water

It’s always crucial to understand the risks and the benefits when making a significant decision on where you will live. If you still feel that living near water is right for you and your family, make sure you get in touch with John B. Wright Insurance to find the best policies for all your personal insurance needs. We’ll keep you and your home secure while you enjoy the stunning sunsets!