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Massachusetts Flood Insurance

Flood insurance provides coverage for the damages to property and severe financial costs associated with floods. In theory it doesn’t sound like a lot to worry about, but just a couple inches of water can devastate your home and property; leading to necessary repairs and restoration work that can cost thousands and thousands of dollars. Your homeowners insurance policy does not provide coverage for floods. Purchasing a flood insurance policy through Sampson Insurance provides protection for you and your home.

While it may not appear to be as vital to your home’s needs as homeowners insurance is, flood insurance is a crucial part of keeping your home safe and all of your property and belongings secure. Flood insurance provides you with protection from blocked storm drains, heavy and prolonged rainfall, melting snow, storm surges, and other common causes of flood damage.

Depending on your where your property happens to be located and what its flood history is like, there are different coverage options available:

  • Standard Flood Insurance Policies

    If your home is located in a community that takes part in the NFIP, a standard flood insurance policy to protect your property and valuables is available to you. The Federal Government set up the National Flood Insurance Program (NFIP) for the purpose of benefitting communities that “voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” In order to be treated as a flood, the water must extend across two or more acres or have an impact on more than one property. Building coverage and coverage for contents must each be applied for separately under the criteria of standard flood insurance policies.

  • Preferred Risk Flood Insurance Policies

    Some buildings may be eligible for low-cost preferred risk policies. This mainly applies to homes and businesses located in moderate or low risk zones. These specific risk zones don’t require you to carry flood insurance, however it can still be very wise to purchase a preferred risk policy to keep your possessions and home safe in the event of flooding that reaches into the low-risk zone you are in. The reality is that a large amount of flood insurance claims come out of these moderate or low risk areas.

You don’t want to start looking into protecting yourself and your home from flooding after it has already caused damages and cost you big. Getting in touch with the insurance professionals of Sampson Insurance today puts you on the path to finding comprehensive flood insurance coverage at the right price.

Contact Us:

Sampson Insurance Agency LLC
14 Franklin Street
Quincy, Massachusetts 02169
Fax: 781-682-9740

Office Hours: 8:30AM - 4:30PM



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