Securing Connecticut Flood Insurance

Of all the types of disasters that can occur across the States, flooding is ranked as number one. For residents in Connecticut, the risk of flooding is a serious risk. Unfortunately, it’s one that many overlook. With recent flood warnings and torrential rain occurring throughout the state, now is the time to ensure that you have reliable protection in place. Take a look at why you should consider securing flood insurance in Connecticut.

  • The risk is real

With the south-eastern coast of Connecticut being a magnet for hurricanes in the Gulf of Mexico, it is not hard to understand why more families and business owners are purchasing flood insurance to help safeguard their properties. From catastrophic events to the early spring thaw, there are many reasons why flooding can occur. All it takes is a couple of inches of standing water to cause tens of thousands of dollars. The threat of flood is one Connecticut residents need to consider.

  • Homeowners insurance does not cover flood damage

Regardless of where you live in Connecticut, flood insurance has to be purchased as a separate, stand-alone policy. Your current homeowners insurance policy will typically not provide any coverage for flood damage. Flood insurance is designed to recover your home and belongings after a flood, as well as reimbursing you for the work that you and other family members did to sandbag your home, move furniture, and remove debris.

  • Premiums can be affordable

If you live outside of a high-risk zone or you no longer have a mortgage, flood insurance is optional. If you live in certain flood zones, your mortgage company may require you to purchase coverage. Fortunately, you can work with a trusted agent to secure the right flood coverage for your property and budget.

Remember, in most situations, you will have a 30-day waiting period before your flood insurance policy is activated, so don’t wait until it’s too late!

For help finding the right personal insurance in Connecticut, and the surrounding cities, contact the independent insurance professionals at North American Underwriters. Serving New Britain, Bristol, Farmington, Plainville, and all of Connecticut; we will work with you to ensure you have the right amount of protection for your specific situation, all at the right price.