Connecticut Flood Insurance

A standard homeowners insurance policy will not cover damages caused by
flooding. You must have flood insurance from an insurer that writes for the
National Flood Insurance Program. If your community participates in a
floodplain management program, you should be eligible to buy the coverage no
matter if your flood risk is low, medium or high. Residents of "coastal barrier
areas" and communities that do not participate in floodplain management
programs may have trouble finding flood insurance coverage. Connecticut flood
insurance is also available to renters, condominium owners, and co-op owners.

Even though flood insurance is relatively inexpensive, most homeowners do not choose
to purchase the insurance protection available. According to the Federal Insurance
Administration, less than one-quarter of the homes in areas most vulnerable are insured
against flood loss. In those areas, flooding is 24 times more likely to occur than a fire
during the course of a typical 30-year mortgage.

Flood Perils Include:

Outside of fire, flooding is the most widespread
natural disaster. According to the National Flood
Insurance Program, two adjacent properties have to
be under water to call the situation a flood. In a rural
area, at least 2 acres must be submerged.

The two primary types of Connecticut Flood Insurance Policies are
listed below.

Actual Cash Value Policy

The value of property as figured by determining the cost to replace the
damaged or destroyed property and adjusting the replacement value by
subtracting an amount that reflects depreciation. Or in other words,
replacement cost minus depreciation. Homeowners are entitled to a
replacement cost value if they live in their homes at least 80% of the time
and have flood insurance coverage for at least 80% of their home's market
value.

Commercial and apartment buildings will be covered only for actual cash
value.

Replacement Value Policy

The amount it costs to replace or rebuild a damaged property.
Replacement cost coverage is available only for the building portion of a
condominium insurance policy. Owners of single-family homes may be
able to buy replacement cost coverage on the building portions of their
flood insurance policies. A flood insurance replacement value policy will
pay only the replacement value up to the coverage limit. For example, if
rebuilding your home will cost $400,000, but you only purchased
$300,000 in coverage, your insurance policy will pay you only $300,000.

Click on the link below to fill out a quote form for a Connecticut flood
insurance policy that will provide first class insurance coverage at an
affordable cost. Or contact a Connecticut flood insurance specialist at
one of our four locations to discuss the policy features in more detail..

Overflow of inland or tidal waters

Answer a few questions and we will
provide you with a quote for the personal
or group insurance you're interested in.
Use the menu above to reach an
insurance quote request form.

We offer affordable Connecticut flood insurance premiums in the following counties
and cities in Connecticut: Fairfield County, New Haven County, Litchfield County,
Middlesex County, New London County, Hartford County, Tolland County,
Windham County, Stamford, Norwalk, Greenwich, Darien, Riverside, Belltown,
Springdale, Round Hill, Old Greenwich, East Norwalk, New Canaan, Glenville, Byram,
Cos Cob, Mianus, North Stamford, Glenbrook, Wilton, Weston, Long Ridge,
Noroton, West Norwalk, Westport, High Ridge, Southport, North Wilton,
Winnipauk, Cannondale, Turn of River, South Wilton, Lyons Plains, Georgetown,
Ridgefield, Branchville, Redding, Topstone, Ridgebury, Redding Ridge, Branchville,
Dodgingtown, West Redding, Titicus, Hattertown, Bethel, Danbury, New Fairfield,
Newtown, Hawleyville, Botsford, Monroe, Bridgeport, Stepney, Shelton,
Huntington, Upper Stepney, Long Hill, Trumbull, Stratford, Easton, Fairfield,
Greenfield Hill, Stratfield, Nichols, Oronoque, Rivercliff, Devon, Lordship, and East
Bridgeport, New Haven, Hartford, Torrington, Waterbury, Meriden, New Britain,
New London, Norwich, Manchester, East Hartford, Suffield, Granby, West Haven,
West Hartford, Branford, East Haven, Hamden, Woodbridge, Orange, North Haven,
Groton, Rocky Hill, Newington, Wethersfield, Glastonbury, Bllomfield, Blue Hills,
South Windsor, Naugatuck, New Hartford, Chesire, East Lyme, Old Mystic,
Wallingford, Southington, Middletown, Bristol, Laurel Beach, Litchfield, Pleasure
Beach, Mystic, North Westchester, Double Beach, Willimantic, Storrs, Canaan, East
Windsor, Vernon, South Canaan, Putnam, Guilford, Windham, South Britain,
Willington, Windsor, East Hampton, Brooklyn, and Westchester, CT.

"Your local Connecticut Flood Insurance specialist!"

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Connecticut Flood Insurance Specialists

Unusual & rapid accumulation of runoff or surface
waters from any source

Mud slides caused by flooding

The washing away, collapse, or subsiding of land
along the shoreline due to erosion or undermining of
waves or currents exceeding the cyclical levels

Sewer backup caused by flooding

To review the Federal Emergency Management Agency's
Flood Maps for your property...click HERE!

Connecticut

Personal Insurance

Request a Quote Here!

Now with 4
Connecticut
locations!

Stamford

Cheshire

East Windsor

Groton

22 Knapp Street

Stamford, CT 06907

203-359-0880

Fax: 203-359-9443

1157 Highland Ave., Suite 109

Cheshire, CT 06410

203-250-1006

Fax: 203-250-0190

84 Bridge Street

East Windsor, CT 06088

860-627-9418

Fax: 860-627-9213

124 Fort Hill Road

Groton, Connecticut 06340

New London County, CT

860-445-8447

Fax: 860-446-0848

Customer Service

(Personal Policies)

(203) 250-0186