Flood Insurance in Quincy, MA, Hingham, Braintree, Weymouth, Belmont & Surrounding Areas

5 Reasons to Get Flood Insurance

Holbrook Insurance Center Inc. provides flood insurance in Quincy, MA, Hingham, Braintree, Weymouth, Meredith, NH, Belmont, NH and surrounding regions.Car driving through flood in need of Flood Insurance in Quincy, MA, Hingham, Braintree, Weymouth, Belmont & Surrounding Areas

  1. Standard Homeowners Insurance May Not Cover Floods: Many standard homeowners insurance policies do not cover damage caused by floods. If you live in an area prone to flooding or near bodies of water, it’s essential to recognize that your regular insurance policy may not provide adequate protection against flood-related damages.
  2. Protection for Your Home and Belongings: Flood insurance can cover the cost of repairing or replacing your home and personal belongings in the event of flood damage. This includes structural damage, electrical and plumbing systems, appliances, furniture, and personal items such as clothing and electronics.
  3. Federal Requirements in High-Risk Areas: If your home is located in a high-risk flood zone and you have a mortgage from a federally regulated or insured lender, you may be required to purchase flood insurance. This requirement is mandated by law to protect both homeowners and lenders from the financial devastation caused by flooding.
  4. Peace of Mind During Rainy Seasons or Storms: Even if you don’t live in a designated flood zone, heavy rainfall, storms, or hurricanes can still lead to flooding. Having flood insurance provides peace of mind during periods of increased precipitation or severe weather, knowing that you have financial protection against potential flood-related damages.
  5. Rapid Assistance from the National Flood Insurance Program (NFIP): In the United States, the National Flood Insurance Program (NFIP) offers flood insurance policies. Purchasing a policy through NFIP ensures that you have access to a federally backed program, providing prompt assistance in the event of a flood-related claim.

Considering the potential financial and emotional toll of flood damage, investing in flood insurance is a proactive measure to safeguard your home and belongings. Evaluate your flood risk based on your location and make an informed decision about whether flood insurance is necessary for your specific circumstances. Kindly call us without hesitation.