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Thank you for all of your help in keeping are rates low Dan!Thanks Dan - Hayes
"I have been using this company for my auto insurance for years now with no complaints and only positive things to say. My rep Daniel Gorman is as professional as they come. He has always gone the extra mile to save me money on my insurance, and if needed will return my calls and emails on the weekends if I have any questions. I highly recommend this company, 5 stars across the board!"
"I was researching options for lower homeowners insurance and looking for a local agent. Daniel Gorman was extremely responsive to my request, without being pushy. He presented me with several viable options and suggested a conversation take place with my current agent to get a comparison. End result was more appropriate coverage for my needs at reduced costs. I highly recommend him to anyone looking for new insurance options."
"I have used Allstate for my homeowner's insurance for over 12 years. After buying my second home in Mount Sinai, my real estate broker recommended Coastal Insurance Solutions. I gave them a call and I was able to save 30% from my current home insurance package. Great rates! Staff is super helpful!"
Learn More About
Looking for Flood Insurance? Did you know that flood insurance premiums are regulated by the Federal Emergency Management Agency (FEMA)? Any agent can offer a flood insurance rate, but not every agent specializes in this product. Fill out our form below to get a quote on flood insurance from one of our flood experts.
What do you need to know about Flood Insurance?
Unfortunately, Mother Nature is very unpredictable.
Though some places are more prone to flooding than others, flood damage can affect any person. That is why everybody needs a flood insurance policy. Contact us today to get all the information you need about a flood policy via the National Flood Insurance Program (NFIP), or get a quote and start enjoying the benefits of having flood insurance today.
Federal law may require that those people that live in the regions susceptible to frequent flooding and have a mortgage are insured from floods. But since any house has some level of risk from this natural hazard, it is advisable that you have flood insurance for your home even if not required by law.
What Does Flood Insurance Cover?
While a flood insurance plan covers your home’s structure and personal property from damage caused by floods, when property insurance is concerned, regular water or flood damage could be referring to separate, specific conditions.
To ensure that you do not end up taking a bath if your home is damaged by floods, contact an agent today, or get a flood insurance policy quote online. The form is fast, easy, and free! This will protect you from all kinds of damage associated with water hazards using the most appropriate insurance.
How Far in Advance should you Purchase your Flood Insurance Policy?
A majority of flood insurance policies come with a waiting period of 30 days before your coverage can start being effective. But there are a few exceptions, for instance, if you have just acquired a new home whose closing comes before 30 days are over.
Policy Payment Options
Typically, all flood insurance policies are paid in full. This payment is often rolled into your current mortgage in several instances. To get more details about this and any other inquiries you may have, give us a call at (631) 782-3175.
So, why Coastal Insurance Solutions?
We offer thorough coverage plans for significantly small premiums. Your flood insurance policy is federally backed, and so important because homeowners’ insurance policies do not include damage from floods. At Coastal Insurance Solutions, we can tailor your rates to your specific region’s risk level.
Learn about the National Flood Insurance Policy Changes made April 2016
Helpful Flood Insurance Articles
Flood insurance is often an afterthought, or an option waved off by homeowners when purchasing insurance coverage for their home. However, every year, the National Flood Insurance Program (NFIP) pays nearly 25% of its claims on properties in low risk areas. Nature is...
FEMA’s new rules for 2020 still provide consumers with more freedom to manage their coverage and choose their preferred provider for flood insurance. A number of new changes accompany an increase in the average cost of flood insurance for consumers covered through the...
Flood insurance coverage has long been a source of frustration for both insurance agents and homeowners alike, fraught with arcane rules, coverage gaps, low coverage limits, and often large deductibles. Until recently, most flood insurance policies were written...