Massachusetts Flood Insurance

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MA Flood Insurance

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Learn More About MA Flood Insurance

Massachusetts Flood Insurance

Massachusetts has a long history of severe weather and can be prone to flooding events. Featuring 1,500 miles of coast on the Atlantic Ocean and many lakes, rivers and reservoirs, the bay state is faced with flooding risks from heavy rain, snowmelt and coastal storms. Boston, The North Shore, The South Shore, and Cape Cod are all especially at risk.

Secure your Massachusetts home and consider flood insurance coverage options with Coastal Insurance Solutions. Compare rates from private market insurers with rates from the National Flood Insurance Program (NFIP) to find the coverage that best fits your unique needs. Simply enter your address, a few home details and our online flood insurance quote platform will let you see up to 10 quotes in minutes.

Compare Flood Insurance in Massachusetts

Any agency that’s approved to write flood insurance through FEMA’s National Flood Insurance Program (NFIP) can quote or bind an NFIP flood insurance policy. However, for many agencies, flood insurance isn’t a specialty. The program has seen significant changes recently, making a strong knowledge of flood policy coverage a must.

At Coastal Insurance Solutions, we write flood insurance policies throughout the nation. Contact us for a customized quote and to compare options. For some Massachusetts homes, an NFIP policy may be the best solution, but an increasing number of private flood insurance providers may offer a better solution for your specific needs and budget. Private market policies bring more customization options and often higher coverage limits to protect your home and belongings.

Who Needs Flood Insurance?

Your mortgage lender may require flood insurance as a condition of the loan when purchasing a Massachusetts home in a high-risk area. Even if your home is not in a high-risk area, flood insurance will offer peace of mind and provide valuable protection for flood risks that are not covered with your standard home insurance policy.

Flooding can occur not only along the coast but also in inland areas. Even homes in areas with higher elevations, such as Boston or Worcester, may be at risk during sustained rainfall. The right flood insurance policy can provide peace of mind, protecting your home against natural wet-weather events. Rates for flood insurance typically reflect the level of risk and insured value, which means that even homes in areas with lower risk may find it to be an affordable choice. According to FEMA’s claim statistics, about one in four flood claims occur in moderate-risk or low-risk areas. So, flood insurance is a wise choice for Massachusetts homeowners and may be more affordable than you think.


A Massachusetts home on the water

What Does a Massachusetts Flood Insurance Policy Cover?

Home insurance policies provide a safety net for most risks, giving policyholders the coverage, they need to repair or rebuild if disaster strikes. But a standard home insurance policy doesn’t protect against damage caused by floods. A flood insurance policy works alongside your home policy, adding protection for one of nature’s most common threats.

Flood policies are specialized, addressing a narrow set of risks, including floods and mudflow.  Your home insurance policy protects against water risks that begin inside your home, such as burst pipes. Flood policies target water-related risks that begin outside your home, such as rising flood waters.

Images of air rescues following hurricanes are still etched into the nation’s memory, but most floods are less dramatic, often bringing just a few inches of water into homes. That’s more water than it sounds like, however, and just six inches of water inside a home can leave homeowners with repair bills reaching tens of thousands of dollars.

The right flood insurance policy protects your home — the single biggest investment most of us will make — safeguarding against risks your home policy won’t cover. At Coastal Insurance, we’ll work with you closely to design a coverage solution that addresses your needs and fits your budget.

Standard NFIP flood policies bring restrictions in coverage limits. For larger or more expensive homes, a supplemental policy offers a way to extend coverage to provide more protection. Reach out to our flood insurance experts to discuss your coverage options. We work with the leading flood insurance providers in Massachusetts to find you the best rates and coverage options possible.

Is There a Waiting Period for Flood Insurance?

Yes, the standard NFIP flood policies require a 30-day waiting period, meaning your policy goes into effect 30 days after we write coverage. This structure is designed to prevent people from buying coverage just before hurricane season or at the first warning of a storm. But 30 days is a long time, and many private market insurers offer less restrictive coverage.

With shorter waiting periods, often combined with higher available coverage limits and better protection options for personal property, private market policies can make a more attractive choice. The knowledgeable team at Coastal Insurance can guide you through your options, providing multiple quotes to compare.

Understanding Flood Insurance Payment Options

Flood insurance policies are annual policies but that doesn’t always mean you have to pay for a whole year at once. Homeowners with a mortgage can have the mortgage company pay the annual invoice. The lender then escrows the flood policy, much like a standard homeowners insurance policy, splitting the cost into 12 payments you pay as part of your monthly mortgage payment.

Why Choose Coastal Insurance for Massachusetts Flood Coverage?

Home rebuild costs in the Bay State are on the rise. At Coastal Insurance, we work with homeowners nationwide to find the right coverage at the best price possible. Ready-made policies may leave potentially costly gaps in coverage. We consider your entire lifestyle when consulting on coverage needs, explaining your options in plain English. We’ll work with you closely to customize your policy to your needs and priorities.

As an independent agency, we work with top insurers across the nation. Reach out to our concierge team of insurance advisors to compare flood insurance quotes or or discuss your other insurance needs. To compare quotes online, simply enter some basic information about your property and you will have quotes from the top insures in minutes.

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