New Zealand could be in deep water if we don't dampen our enthusiasm for coastal real estate

Despite scientist's dire warnings that sea levels will rise at least 10 centimetres over the next 20 years, coastal property continues to be in hot demand.

Quotable Value general manager David Nagel says more Kiwis need to be conscious of the risks involved with such homes.

He is asking people to do their due diligence before signing on the dotted line.

Nagel says experts say some seaside properties may be uninsurable in coming years.