Flood insurance is not included in traditional homeowner's policies. If you don't live in a flood zone, you may think you don't need flood insurance. But coastal storms are intensifying and occurring more frequently. Many homes that are not in flood zones are experiencing flood damage. Even just a few inches of water from a flood can cause tremendous damage to your home. The best way to protect yourself from damage caused by flooding is with a flood insurance policy.

Flood insurance is available to all homeowners, renters, and condo owners.. Costs can vary depending on how much flood insurance is purchased, what it covers and the property's overall flood risk.

Homes that are located in high-risk flood areas with mortgages from federally regulated or insured lenders are required to have flood insurance. And while flood insurance is not federally required if you live in a moderate-to-low risk flood area, we advise all of our clients to purchase this important coverage to adequately protect themselves from future storms. Please contact us today to discuss a quote for this coverage. 716-877-1702.