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Flood Insurance

What to Consider Shopping for Flood Insurance in Connecticut 

If you live near a body of water or in a low-lying area, you could be at risk for water damage from rainstorms and other types of weather events. Most homeowners’ insurance policies do not cover flood damage. To be adequately protected, you need a policy that will reimburse you for damage caused by flooding.


The amount of deductible you carry will play a large part in determining how much your premium will cost. If a disaster strikes, the higher deductible means more money out of pocket on your end.

Lender Requirements

If you have a mortgage on your home and live in a high-risk flood zone, your lender may require you to purchase flood insurance as part of your mortgage requirements. This is because lenders do not want their investment potentially destroyed by flooding.


How much you pay depends on the level of coverage you choose and the amount of deductible you want to carry. 

Time Frame

Keep in mind that there is usually a time frame involved when purchasing flood insurance. In most cases, it takes 30 days for the policy to go into effect once the application is submitted. However, in some instances, your policy may go into effect immediately after you have applied.

For a free quote for your business or personal insurance, send us a message or call us at (203) 655-6974.