Apartment for sale with 2 bedrooms - Sint-Idesbald (page 4)

Apartment for sale

8670 Koksijde

• Tram stop · 4 min on foot 4 min
• School · 12 min on foot 12 min
• Supermarket · 4 min on foot 4 min

Sunny apartment for sale on the second floor of the small-scale residence Esmeralda. Located in Duinbergenstraat, this apartment enjoys a tranquil yet central location: close to the shopping street and public transport. The sea is just a few minutes' walk away.The apartment is arranged as follows: entrance hall | west-facing living area | separate kitchen | bathroom equipped with shower, sink in cabinet, and washing machine connection | storage room | separate toilet | two spacious bedrooms.Additionally, a private parking space and cellar are included in the price! A tremendous asset in the center of Koksijde. The apartment is situated on the second floor, and there is no lift. Energy-efficient: EPC label B due to PVC windows with low-energy glazing and a condensing gas boiler. Looking for an apartment with enormous potential? Contact us today for an on-site appointment.

Apartment for sale

8670 Koksijde

• Bus stop · 1 min on foot 1 min
• School · 5 min on foot 5 min
• Supermarket · 10 min on foot 10 min

Comfortable apartment in Koksijde, peacefully located close to the town centre and public transport. This apartment offers a practical layout combined with plenty of natural light and a pleasant living environment. Thanks to its quiet setting without overlooking neighbours, you can enjoy extra privacy and open views. The bright living area connects directly to a sunny terrace, perfect for relaxing outdoors. With 2 full-sized bedrooms, this property is ideal as a permanent residence, holiday apartment or coastal investment. Shops, public transport and green surroundings are all within easy reach. Main rooms: • Entrance hall with easy access to the different rooms • Bright living room with access to the terrace • Functional kitchen with practical layout • 2 full-sized bedrooms • Bathroom with practical layout • Separate toilet • Storage room for extra space • Sunny terrace with plenty of privacy Highlights: • Quiet location with open views and no overlooking neighbours • 2 full-sized bedrooms • Sunny terrace to fully enjoy the outdoor space Contact your ERA agent today to arrange a viewing. YOUR DREAM APARTMENT. FOUND!

Apartment for sale

8670 Koksijde

• Tram stop · 2 min on foot 2 min
• School · 14 min on foot 14 min
• Supermarket · 7 min on foot 7 min

À vendre : appartement lumineux dans le centre de Koksijde, situé avenue Rousseau, à quelques pas des commerces, des transports en commun et de la zone touristique. Cet appartement fermé offre une vue dégagée, vous permettant de profiter d’une sensation d’espace et de liberté. Avec ses deux chambres spacieuses et son salon convivial, c’est un lieu de vie idéal pour ceux qui accordent de l’importance au confort et à la luminosité. Son emplacement au cœur de Koksijde en fait un choix parfait pour ceux qui souhaitent avoir tout à proximité, tandis que la vue dégagée garantit une atmosphère paisible. Pièces principales : • Salon lumineux avec vue dégagée et espace pour un coin repas et un coin salon. • Cuisine fonctionnelle avec de nombreux rangements. • Deux chambres spacieuses, idéales pour une famille ou des invités. • Salle de bains avec douche et lavabo. • Toilettes séparées. • Débarras pour un rangement supplémentaire. • Hall d’entrée donnant accès à toutes les pièces. Atouts : • Vue dégagée pour une sensation d’espace. • Deux chambres spacieuses. • Appartement lumineux bénéficiant d’un emplacement central. Contactez dès aujourd’hui votre agent ERA pour organiser une visite. VOTRE APPARTEMENT DE RÊVE. TROUVÉ EN UN CLIN D’ŒIL !

Apartment for sale

8670 Koksijde

• Tram stop · 6 min on foot 6 min
• School · 16 min on foot 16 min
• Supermarket · 4 min on foot 4 min

Appartement prêt à emménager avec vue sur la mer sur la Place Prince Albert à Koksijde. * Emplacement de choix sur la Place Prince Albert * Vue mer frontale * 2 chambres * Rénové en grande partie * Cave privative + grand local à vélos commun Cet appartement est idéalement situé à quelques pas de la plage et du centre de Koksijde. Le séjour lumineux offre une vue magnifique sur la mer. Il comprend également une cuisine séparée, une salle de bain et deux grandes chambres. Atouts : * Emplacement central près des commerces, de la restauration et des transports en commun * Vue mer exceptionnelle * Salle de bain rénovée * Électricité conforme * Parfait comme deuxième résidence ou pour un investissement Ne laissez pas passer cette opportunité ! Contactez-nous pour plus d'informations ou pour une visite sur place.

Apartment for sale

8670 Oostduinkerke

• Tram stop · 2 min on foot 2 min
• School · 21 min on foot 21 min
• Supermarket · 3 min on foot 3 min

A unique corner apartment in the heart of Oostduinkerke – your dream retreat by the sea!Experience spacious living in a prime location! This elegant corner apartment of no less than 96 m² is situated on the fifth floor of the high-quality Résidence Promenade (2003) – strategically located on the corner of Astridlaan and Albert I Laan, right in the heart of Oostduinkerke's vibrant commercial centre.Whether you are looking for a bright and spacious holiday home or a permanent residence by the sea: this apartment has everything you need.Layout: Spacious entrance hall | Light-filled living area with fully equipped open-plan kitchen, opening onto a balcony | First bedroom | Second spacious bedroom with built-in wardrobes and access to a second balcony | Separate toilet | Bathroom with 2 washbasins, a shower and a bath | Extra-large storage room with washing machine connectionOption: private parking space available in the residence for only €35,000Shared bicycle storage available.Don't miss this unique opportunity – contact us today to arrange a viewing!

Apartment for sale (New construction project)

8670 Koksijde

• Bus stop · 1 min on foot 1 min
• School · 5 min on foot 5 min
• Supermarket · 9 min on foot 9 min

This luxurious and energy-efficient new apartment for sale is located at Zeelaan 211 in Koksijde, offered at a price of €469,500. Situated on the second floor of a modern four-story building completed in 2025, this residence features a spacious living area of 101 m² thoughtfully designed for comfort and style. The layout includes two bedrooms, a bright living room, a modern kitchen, and a single luxurious bathroom equipped with underfloor heating powered by a heat pump. The apartment also benefits from double-glazed windows, ensuring excellent insulation and energy performance. A separate toilet and an 8 m² terrace facing northeast provide additional convenience and outdoor space for relaxation. Built to the highest standards, this apartment boasts bespoke high-quality finishes and optimal sound insulation, creating a peaceful living environment. Additional amenities include an intercom system, an elevator for easy access to the floor, and a shared bicycle storage area along with a communal inner garden that enhances the residential experience. The property is classified as a BEN (Nearly Energy Neutral) apartment due to its sustainable features such as the heat pump and solar panels, aligning with contemporary environmental standards. It is important to note that although the property has received its building permit and is not located in any flood risk area or protected zone, no certificate is available for the electrical installation. Koksijde offers a desirable location near its center, allowing residents to enjoy the benefits of this seaside town’s amenities while living in a quiet and modern environment. This exclusive project named Residentie Helia presents an excellent opportunity for buyers seeking a combination of luxury, sustainability, and comfort in a newly built home. Interested parties are encouraged to contact Christian at ### for more information or to arrange a visit to explore this exceptional apartment firsthand.

Apartment for sale

8670 Koksijde

• Tram stop · 4 min on foot 4 min
• School · 17 min on foot 17 min
• Supermarket · 7 min on foot 7 min

This charming ground-floor apartment is situated directly on the sea promenade in Koksijde, offering a rare combination of coastal living and private outdoor space. Priced at €249,000, the property features two well-proportioned bedrooms and a lovely southeast-facing garden that benefits from abundant morning and afternoon sunlight. The bright living area opens directly onto the sunny garden, creating a seamless indoor-outdoor flow ideal for relaxing or enjoying breakfast in the fresh sea air. With a total living area of 70 m², this apartment presents a comfortable and practical layout on one level, enhancing accessibility and everyday ease. The apartment is equipped with one bathroom and a gas heating system, complemented by double-glazed windows to ensure energy efficiency. It comes furnished and includes a door entry system (intercom) for added security. Located within a six-story building without an elevator, this property is not adapted for disabled access. Energy performance is rated highly, with both an A score for primary energy consumption and an A score for emissions. The apartment is not situated in a flood-risk zone and holds all necessary urban planning permits, ensuring peace of mind for future owners. Koksijde’s unique location on the seafront offers residents direct access to the beach and sea, making this apartment an exceptional opportunity for primary residence, holiday home, or investment purposes. Its private garden on the promenade is an uncommon luxury in this vibrant coastal setting. For those interested in securing a quality home with both indoor comfort and outdoor tranquility by the sea, this property represents an outstanding choice. Please contact us to arrange a viewing or obtain further information about this exclusive Koksijde apartment.

Apartment for sale

8670 Oostduinkerke

• Bus stop · 1 min on foot 1 min
• School · 11 min on foot 11 min
• Supermarket · 7 min on foot 7 min

This bright corner apartment for sale at Leopold II Laan 184 in Oostduinkerke offers a well-lit living environment thanks to its numerous windows. Situated on the first floor of a two-story building constructed in 1968, the property features a spacious living and dining area that flows into an open kitchen with direct access to a terrace/balcony. The apartment comprises two bedrooms and a single bathroom equipped with a bathtub, a walk-in shower, and a double sink, ensuring comfort and convenience. Covering a living area of 75 m², this residence also includes one toilet and benefits from essential utility connections such as gas and water. The apartment requires renovations, providing an excellent opportunity for customization to suit your personal taste or investment goals. It holds a valid permit for holiday rental, which could be an attractive feature for buyers interested in short-term lets. Additional practical storage is available in a large private bicycle storage area located in the basement. The property is not currently rented and boasts a cadastral income of 716 €. An electrical installation certificate compliant with regulations is also in place, ensuring safety standards are met. Located in a residential urban zone, this apartment benefits from an excellent energy performance rating with both the G-score and P-score rated A. It is not situated in a flood-prone area, adding to its appeal and security. Priced at €285,000, this property presents an outstanding investment or home opportunity in the peaceful town of Oostduinkerke. For further information or to arrange a viewing, please do not hesitate to contact the seller referencing RBX00527.

Apartment for sale (New construction project)

8670 Koksijde

• Tram stop · 4 min on foot 4 min
• School · 13 min on foot 13 min
• Supermarket · 4 min on foot 4 min

This splendid new-build apartment offers a luxurious and contemporary living experience in the heart of Koksijde. Situated on the second floor of the elegant Residence Isabella, completed in 2025, this stylish property spans 74 square meters and boasts a spacious 9 m² sunny terrace perfect for relaxing or entertaining. Designed with modern comfort in mind, the apartment comprises two full bedrooms, a bathroom featuring a double sink and shower, and a bright living area with an open kitchen. The layout includes a welcoming entrance hall, guest toilet, and a convenient storage room equipped with connections for a washing machine. The residence is equipped with state-of-the-art energy-efficient systems including electric heating with underfloor heating and a heat pump, along with double glazing to ensure optimal insulation. Residence Isabella is a compact and tranquil development with only nine apartments, providing an exclusive atmosphere that combines privacy with accessibility. The building features a lift for ease of access, a secure underground level offering parking spaces and storage rooms, and video intercom technology for added security. The apartment benefits from exceptional sound insulation, guaranteeing peace and quiet in a central coastal location. Certified with an excellent G-score and P-score for energy performance, this property exemplifies sustainable living without compromising on style or convenience. It is important to note that the apartment is not suitable for wheelchair access, but benefits from all other modern amenities. Located in Koksijde at Gulden Vlieslaan 12, this newly built apartment is just steps away from local shops, restaurants, and the beach, combining the best of seaside living with central convenience. Priced at €349,000 including VAT at 6%, this residence represents a unique opportunity to acquire a brand-new home on the Belgian coast. For further information or to arrange a viewing of this exceptional property, please contact Christian at ### Do not miss the chance to secure this elegant coastal apartment in one of Belgium’s most sought-after locations.

Apartment for sale

8670 Koksijde

• Tram stop · 3 min on foot 3 min
• School · 16 min on foot 16 min
• Supermarket · 4 min on foot 4 min

This tastefully renovated apartment for sale in Koksijde offers an exceptional living experience with stunning sea views. Located on the second floor of a small-scale residence built in 1997, this property combines modern comfort and a serene coastal atmosphere. Priced at €625,000, it provides an attractive opportunity to own a well-maintained home in a residential zone with no VAT applicable. The apartment features a spacious entrance hall with a cloakroom, a separate toilet, and a fully equipped kitchen that flows into the dining and living area. From here, you can access a terrace at the front, perfect for enjoying the refreshing sea breeze. The accommodation includes two bedrooms, both opening onto a rear-facing terrace, allowing for private outdoor space. The bathroom is fitted with a double sink and a shower, complementing the practical layout of this residence. Additional amenities include a private cellar for storage, elevator access, and an intercom system for added convenience and security. The apartment spans across the second level of a building with six floors in total and benefits from modern certifications, including a compliant electrical installation certificate and an energy performance certificate (EPC) rating indicating an efficient primary energy consumption of 199 kWh/m² per year. Notably, the property is not located in a flood risk area and holds top environmental scores (G-score and P-score both rated A), reflecting its sustainable standards. There is also an option to purchase the furniture for an additional €11,000, which presents a turnkey solution for prospective buyers. Situated just minutes from the center of Koksijde-Bad, this residence offers both tranquility and accessibility. Koksijde is known for its pleasant seaside atmosphere and residential character, making this an ideal location for those seeking a coastal lifestyle within Flanders. The price is set at €625,000, reflecting the apartment’s quality and desirable positioning by the sea. Interested parties are encouraged to contact the seller promptly to arrange a viewing or receive further information about this exceptional property opportunity on Zeedijk 362. Ref. Immovlan: RBW28486.

Apartment for sale

8670 Oostduinkerke

• Bus stop · 3 min on foot 3 min
• School · 25 min on foot 25 min
• Supermarket · 7 min on foot 7 min

This spacious and energy-efficient apartment, boasting an impressive EPC label A, is offered for sale at €595,000 in the desirable town of Oostduinkerke. Built in 2012 and maintained in excellent condition, this second-floor residence presents a practical and modern living environment. The layout includes a welcoming entrance hall leading to a generous living room with a fully equipped kitchen, creating an open and functional space ideal for both relaxation and entertaining. Two well-sized bedrooms provide comfortable sleeping quarters, complemented by a bathroom featuring a walk-in shower and double sinks, as well as a separate toilet. Additional practical amenities include a large storage room designed for laundry appliances such as a washing machine and dryer, ensuring convenience for everyday living. The apartment further benefits from two terraces offering distinct orientations that enhance the living experience; one terrace faces southwest with beautiful open views, perfect for enjoying sunlight and outdoor moments, while the rear terrace is oriented northeast, adding versatility to outdoor space usage. Included with the property is an individual storage unit and access to a communal bicycle storage area, catering to practical storage needs and active lifestyle preferences. A secure underground garage space is available separately for €85,000, providing protected parking in a residential zone classified as a non-flood risk area. The building is equipped with modern amenities including an intercom system and a lift, ensuring accessibility and security. Situated in Oostduinkerke at Albert I laan 127 202, this apartment is located within a residential urban or rural area with all essential utilities such as gas and water connections readily available. The cadastral income is listed at 884 €, and the property is not subject to VAT. The electrical installation holds certification confirming its compliance with current standards, reinforcing the safety and quality of the home. With an energy consumption of only 74 kWh/m² per year, this apartment combines sustainability with comfort. Prospective buyers seeking a ready-to-move-in property with quality finishes, spacious living areas, and excellent energy performance in Oostduinkerke are encouraged to arrange a viewing. Please contact the seller referencing Immovlan RBW96874 for further details or to schedule a visit.

Apartment for sale

8670 Koksijde

• Tram stop · 2 min on foot 2 min
• School · 14 min on foot 14 min
• Supermarket · 7 min on foot 7 min

This recently renovated apartment for sale is located on the ground floor at Rousseaulaan 3 002 in Koksijde, offering an exceptional opportunity close to the beach and all local amenities. With a living area of 70 m², the property features two bedrooms and one bathroom, making it a versatile choice whether you are seeking a permanent residence, a holiday home, or an investment by the sea. The apartment is sold fully furnished and includes modern conveniences such as a gas heating system, an intercom, and access to a renovated lift in the building. Single glazing is installed throughout, balancing comfort and charm in this coastal setting. The apartment’s layout includes a terrace that enhances the living space with outdoor access, ideal for enjoying the fresh sea air. One garage space is available with the purchase, providing secure parking within the building. The property resides in a six-floor building constructed in 1970 that has been carefully maintained and upgraded, as reflected by its A rating for both energy performance (EPC) and primary energy consumption. Notably, the apartment is not situated in a flood-prone area, offering peace of mind regarding environmental risks. While the building does not have disabled access, its location and condition offer an excellent balance between comfort and convenience. Offered at a price of €206,000, this ground-floor apartment presents a rare chance to own a stylish and ready-to-move-in home in Koksijde. The proximity to the seafront and the availability of a garage are significant advantages for residents and investors alike. For more detailed information or to arrange a viewing, interested parties are encouraged to contact the agent directly at ### or via email at ### . This property is a compelling offer for anyone looking to invest in coastal living with all essential amenities within easy reach.

Apartment for sale

8670 Koksijde

• Bus stop · 1 min on foot 1 min
• School · 20 min on foot 20 min
• Supermarket · 3 min on foot 3 min

or sale: unique corner apartment in Sint-Idesbald, centrally located near the sea, dunes, and public transport. This semi-detached apartment, built in 2023, offers exceptional finishes and a modern layout. Situated on Strandlaan in the heart of the tourist area, you have all amenities within walking distance. The corner position provides extra natural light and a spacious feel, while the recent construction ensures energy-efficient systems and contemporary comfort. Main rooms: • Bright living room with large windows and access to the terrace. • Modern kitchen with high-quality materials. • Two comfortable bedrooms. • Stylish bathroom with walk-in shower. • Separate toilet. • Practical storage room. • Entrance hall with cloak space. • Spacious terrace for outdoor enjoyment. Highlights: • Unique corner apartment with extra light. • Built in 2023, move-in ready and energy-efficient. • Exceptional finish with attention to detail. Contact your ERA agent today to arrange a viewing. YOUR DREAM APARTMENT. FOUND!

Apartment for sale

8670 Koksijde

• Bus stop · 4 min on foot 4 min
• School · 8 min on foot 8 min
• Supermarket · 6 min on foot 6 min

EXCLUSIVE PENTHOUSE APARTMENT WITH SUNNY TERRACE AND LARGE GARAGE IN THE CENTRE OF KOKSIJDE-BAD.This stunning duplex in the intimate Bellini residence is situated on the 4th and 5th floors and boasts no less than 191 m² of living space. The high-quality finish, the numerous bespoke cupboards and the central location make this an ideal property for both permanent residence and as a second home. Furthermore, the property is situated on the high street, close to various restaurants and the sea.LAYOUT:4th floor: spacious living area with a fireplace and access to the west-facing terrace (24 m²) with a sun awning | dining area with fitted cupboards and a fully equipped kitchen with durable appliances | balcony with 2 outdoor storage rooms | toilet with washbasin | utility room.5th floor: master bedroom with 2 walk-in wardrobes and en-suite bathroom (bath, walk-in shower, double washbasin and toilet) | second full-sized bedroom with fitted wardrobes and en-suite bathroom (walk-in shower and double washbasin in a vanity unit) | separate toilet.HIGHLIGHTS: Living area of 191 m² 24 m² west-facing sun terrace Underfloor heating Air conditioning 2 walk-in wardrobes and plenty of fitted cupboards Energy-efficient appliances Spacious, private cellar Communal cycle storage Option to purchase a large garage with additional storage room (asking price: €75,000) Among the photos are a few 3D images showing how you could furnish the flat; these are for illustrative purposes only.An exceptional property for those seeking space, comfort and a prime seaside location.Contact us today to arrange a viewing!

Apartment for sale

8670 Koksijde

• Tram stop · 4 min on foot 4 min
• School · 15 min on foot 15 min
• Supermarket · 3 min on foot 3 min

Spacious (91 m²) 2-bedroom apartment with a FRONT-FACING ocean view for sale on the Zeedijk in Koksijde-Bad. This property is located in the Triton residence and enjoys an extremely central location: within walking distance of the commercial center, public transportation, and, of course, right on the beach. An ideal location for a second home.The property is laid out as follows: entryway with built-in storage closet and coat rack | bright living room with FRONT-FACING ocean view and gas fireplace | fully equipped semi-open kitchen (stove, range hood, oven, microwave, dishwasher, double sink, large refrigerator with freezer compartment) | night hall | separate toilet with sink | bathroom with bathtub, shower set, and sink in vanity unit) | 1st full bedroom with double bed and additional sink | 2nd full bedroom with double bed and additional sink.The apartment includes a private basement. The residence features an easily accessible communal bicycle storage area.The roof and facade of the residence have been renovated.Are you looking for a second home with a FRONTAL ocean view in Koksijde-Bad? Don’t hesitate to contact us to schedule a visit!

Apartment for sale

8670 Koksijde

• Tram stop · 3 min on foot 3 min
• School · 15 min on foot 15 min
• Supermarket · 3 min on foot 3 min

[[ THIS PROPERTY IS PARTICIPATING IN THE ERA OPEN HOUSE DAY ON 19/9 FROM 16:00 TO 17:00 ]]

Apartment for sale

8670 Koksijde

• Bus stop · 6 min on foot 6 min
• School · 18 min on foot 18 min
• Supermarket · 7 min on foot 7 min

This bright and spacious apartment for sale in Koksijde offers an exceptional living experience with stunning panoramic sea views. Located on the 4th floor of a well-maintained building, the property features an impressive nearly 6-meter-wide floor-to-ceiling window complemented by an additional corner window, allowing natural light to flood the living space while maximizing the spectacular sea vista. The apartment has been fully renovated to a high standard, featuring a welcoming living room, a fully equipped kitchen, two comfortable bedrooms, a modern bathroom, and a separate toilet. A rear terrace provides an outdoor area to enjoy fresh air and scenic surroundings. The residence underwent a thorough façade renovation in 2026, including new balustrades, ensuring a contemporary and well-preserved exterior. The apartment spans 84 square meters of living space within a building constructed in 1967, now enhanced with modern amenities such as an elevator and an intercom system. Energy performance is excellent, with an EPC rating indicating efficient energy consumption at 123 kWh/m²/year. Safety and compliance are assured with a valid electrical installation certificate. Included with the property is a private garage space, adding valuable convenience for vehicle owners. The building also offers a spacious bicycle storage area, catering to various mobility needs. The apartment is not currently rented and offers immediate occupancy for those seeking a turnkey residence by the sea. Additionally, there is an option to purchase a parking space for €35,000. Situated in the residential zone of Koksijde, this apartment benefits from a prime coastal location that is not subject to flooding risks. The property is listed at €540,000 and combines comfort, modern finishes, and breathtaking sea views in one attractive package. Prospective buyers interested in this fully renovated apartment are invited to contact the seller for further information or to arrange a viewing. This property represents a rare opportunity to own a quality home in Koksijde’s sought-after seaside environment.

Apartment for sale (New construction project)

8670 Koksijde

• Bus stop · 1 min on foot 1 min
• School · 5 min on foot 5 min
• Supermarket · 9 min on foot 9 min

Discover a luxurious new apartment for sale in Koksijde, perfectly combining modern comfort with energy efficiency. Located at Zeelaan 211, this stunning residence is part of the exclusive Residentie Helia, a newly built project completed in 2025. Offering a spacious 101 m² of living space on the first floor of a four-story building, this apartment features two bedrooms and one bathroom designed with high-quality finishes. The bright and airy living room flows seamlessly into a contemporary kitchen, while an 8 m² terrace oriented northeast provides an inviting outdoor area to enjoy. Additional practical elements include underfloor heating powered by a heat pump and double glazing, ensuring a comfortable and sustainable home environment. This apartment stands out as a BEN (Nearly Zero Energy Building) property equipped with a heat pump and solar panels to maximize energy savings. The layout includes an entrance hall, a separate toilet, and storage facilities, all enhanced by superior sound insulation for peace and quiet. Residents benefit from modern conveniences such as a lift and an intercom system, while a communal bicycle storage area and interior garden add to the appeal of this thoughtfully designed complex. Although the building is not wheelchair accessible and lacks a cellar or veranda, it fulfills all essential requirements for comfortable coastal living. Situated in the vibrant town of Koksijde, this property is offered at a price of €460,221 including VAT. The location provides proximity to local amenities while delivering an exclusive lifestyle within a new development built under an approved subdivision permit. For further information or to arrange a viewing, prospective buyers are encouraged to contact Christian at ### This exceptional opportunity combines contemporary architecture, sustainable technology, and prime positioning on the Belgian coast to create an ideal residence for discerning homeowners.