Nassau County Flood Insurance
Coastal Insurance Solutions offers affordable flood insurance to residents in Nassau County. We provide catered coverages, the most competitive pricing, and A+ AM Best rated carriers for Nassau homeowners. Coastal issues, prior claims, cancellations, and non-renewals are not a problem. Call us for more information at 516-564-2111 . Our flood insurance specialist will be able to help you today! You can also submit your flood insurance application online by clicking on the link below:
When searching for flood insurance on Long Island your goal should be to get the best rate with the most coverage, ideally from an A-rated carrier or better. In Nassau County since Super Storm Sandy, there are at least 30 companies still writing homeowners insurance, some companies have tightened the reins on new applications, especially if you are located within 1 mile from the coast. Use these tips to get the most value from your dollar when purchasing homeowners insurance in the post Sandy marketplace.
When insurance companies look at insuring homes in Nassau County they really see two sections;
1.) Homes within a mile of the coast.
2.) Homes over a mile from the coast.
Different insurance companies’ rules and rates will vary significantly depending upon your location to tidal water.
Homes over 1 mile from tidal water in Nassau County
If you haven’t had a claim from Super Storm Sandy you will be eligible for the most competitive rate in the market. These rates will vary considerably based on different coverage selections, deductible choices, and your credit rating. Ask your agent to package your auto insurance with the same insurance company to receive multiple policy discounts. Get at least 3 proposals from A+ Rated AM best insurance companies. When getting proposals ask your agent what coverages he has on his personal home. This will help you weed out unnecessary premium-inflating coverages. Choose your deductible wisely and consider asking for proposals with deductibles that are higher than $1,000. Most insurance companies offer significant discounts to clients that are willing to keep a high deductible.
Homes within 1 mile of tidal water in Nassau County
Many factors go into getting the best rate when you are within one mile of the coast in Nassau County and prices will vary. Different insurance companies use different methods to determine your distance to water. Getting the best rates will require that you become knowledgeable about your elevation and your home’s distance to water. Some companies will use the proximity from the open bay while other companies will use the proximity to any tidal water (canal, inlet, etc.). Other companies use only your elevation to determine eligibility. Make sure you let your agent know if you have a flood policy, certain companies will only insure you if you maintain a flood policy. The south shore of Nassau County can have some of the higher premiums, especially if you’ve had a claim from Super Storm Sandy. It’s important to check the entire market when you live on the south shore of Long Island. Try to stay away from non-admitted insurance companies (companies not licensed to do business in NY). Most direct writers like Allstate, State Farm, and Liberty Mutual will not be able to offer you rates as they are restricted from writing in these areas. The most important thing is to find a knowledgeable agent that you can trust, tell him your story and let him get to work.
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