With the increased frequency of flooding in recent years, flood insurance is becoming one of the most recommended insurance coverages. Despite lower frequency of Named Storms in recent years, seasonal storms continue to plague many parts of the country with heavy rainfall and subsequent flooding.

Flooding occurs in all parts of the country and is not limited to those properties in Special Flood Hazards Areas. In fact 26% of flood damage comes from properties in B, C, and X zones – areas where coverage is not mandated to be in place. Flood insurance is available in all communities participating in the National Flood Insurance Program regardless of zone.

Even those individuals who specifically purchase flood insurance policies may find that they are drastically underinsured and that their coverage doesn’t include restoring their possessions or paying for loss of income. Get a quote below for added protection that your customers need.

For more information, please contact Angel Vega at or Jack McCarthy at or call (860) 628-3967.

Building & Contents

$5M Combined on Any One Building per Occurrence (Building and Contents)


$500,000 per Occurrence

Residential & Commercial Buildings

Condos – Minimum of 4 Stories, Positively Elevated A +V Zones, Max TIV $50M (we can write a Primary $5M and Excess of $45M)

Buildings and Contents Coverage Mirrors the NFIP Form and is Lender Compliant

Business Income/Rental Value (including Extra Expense)

Contents Only

$2,000 per occurrence in respect of Primary Buildings coverage

$2,000 per occurrence in respect of Primary Contents coverage

14 day waiting period in respect of Business Income/Rental Value coverage

No Waiting Period for Mortgage Loan Closings

7 Days Waiting Period in Respect of Coastal (Tier 1 and 2) Risks

14 Day Waiting Period for Inland Risks

Properties Located in a Community Currently in an Emergency Program

Coverage for Mobile Homes

Medical Equipment

Perishable Goods, including Food and/or Drink

Business Income and/or Rental Value Only Coverage

Replacement Cost Coverage for Building & Contents

Ability to Schedule Multiple Locations into One Policy

Competitive Rates Based on Tier County Locations

Policy Wording Accepted by Lenders

NFIP/Acord Application or renewing NFIP Dec Page

Elevation Certificate Needed for Post Firm A or V Zones to Bind Coverage

Excel SOV for Multiple Locations

Confirmation of “No Prior Flood Losses”