Weather the storm with flood insurance.

Put our experience and expertise to work for you.

Protect Your Home, Stay Above Water with Flood Insurance

On the heels of devastating storms, whether it’s Hurricane Harvey or Super Storm Sandy, time again we see property owners grappling with the cost to repair or rebuild because they didn’t carry Flood insurance. Either they didn’t think they needed it as they were far enough from the coast, believed they were covered for flood under their Homeowners insurance, were ill-advised, or chose not to purchase the coverage.

The Regan Agency, as part of our review of your insurance protection, will go over the need for Flood insurance. Homeowners insurance, as broad a program it is, does not cover flood exposures.

Navigating Flood Insurance

Coverage is available through the National Flood Insurance Program (NFIP). You can get coverage up to $250,000 in damages to the building. For an additional premium, you can also insure your personal contents (furniture, appliances, clothing, etc.) up to $100,000. Deductibles range from $1,000 to $10,000. Your insurance premium depends on where you are located and whether you are in a high-risk zone or low-to-moderate zone.  We also have access to alternative Flood insurance markets to find you coverage.

If you own a high-valued, expensive home, you should consider buying Excess Flood insurancewhich can substantially increase the limits of coverage for both the structure and its contents. An Excess Flood policy can also provide money for additional living expenses while your property is restored.

We’re Ready to Serve Your Insurance Protection Needs 

We invite you to learn more about the Regan Agency and to give us an opportunity to show you how we can take care of your business and personal insurance needs. Just give one of our professionals a call at 631-669-3434.