Flood Insurance

Flood insurance is not included in traditional homeowner's policies. If you don't live in a flood zone, you may think you don't need flood insurance. But coastal storms are intensifying and occurring more frequently. Many homes that are not in flood zones are experiencing flood damage. Even just a few inches of water from a flood can cause tremendous damage to your home. The best way to protect yourself from damage caused by flooding is with a flood insurance policy.

Flood insurance is available to all homeowners, renters, and condo owners. Costs can vary depending on how much flood insurance is purchased, what it covers and the property's overall flood risk.

Homes that are located in high-risk flood areas with mortgages from federally regulated or insured lenders are required to have flood insurance. And while flood insurance is not federally required if you live in a moderate-to-low risk flood area, we advise all of our clients to purchase this important coverage to adequately protect themselves from future storms.

Flood policies are easy to attain and very reasonably priced.

Below are the two most common flood insurance policies to consider:

Preferred Risk Policy (Zones B, C & X)

These policies are written for properties in low to moderate flood areas. The premium is very reasonable and automatically includes coverage for building and contents.

Standard Policy (Zones A & V)

These policies are written for properties in high hazard areas. The premium is determined by the amount of coverage requested, the age of the dwelling and the elevation (if applicable). Coverage is not automatically included for contents, but can be purchased.

Protect what's most important. We're the experts when it comes to evaluating your personal insurance needs, and we're always here to help. Not all insurance agents are the same! Choosing the right one can make a big difference -in price, service, and value. Everyone's situation is unique, so it's important not to limit yourself to a one-size-fits-all approach when it comes to choosing an insurance company.

Island Insurance Agency is an independent agency, which means more options for you and your family. Get started by calling 718-885-1050, scheduling an appointment, or getting a quote online.