In recent years, neighborhoods in New York, Connecticut and New Jersey have experienced significant flood losses. And although areas, such as Mamaroneck, are designated flood areas, rising waters have wreaked havoc throughout the Tri-State region – even in homes located in communities considered low risks. Flood Insurance and Excess Flood Insurance is very important for you.
At A.J. Benet, we have the breadth and depth of knowledge and expertise needed in securing a sound Flood insurance plan for you. We not only can provide insurance through the National Flood Insurance Program (NFIP), but also have critical access to alternative markets, which in many cases are better suited for the areas we serve where flooding is prevalent. A flood policy under the NFIP, at its most basic, covers direct physical damage to the insured property from floodwater up to $250,000. It normally doesn’t insure the contents of a home, although enhancements are available up to $100,000.
Depending on your needs and the value of your home, we will determine if you require broader coverage than available from the government’s program and secure coverage for you through our competitive markets. If you have a high-valued, expensive home, you should consider buying excess flood insurance, which can substantially increase the limits of coverage for both the structure and its contents. These excess flood policies can also provide money for additional living expenses while your property is restored. What’s more, we have markets that write coastal and non-coastal homes in any flood zone; secondary homes, rental homes, and condominium units; and other key features.
As your insurance agent, we will consult federal flood maps to find your flood zone, which will affect the cost of your insurance, the type of coverage you need, and the limits of coverage for areas of your home that lie below the lowest elevated floor, such as basements and crawlspaces.
Keep your home and its contents on higher ground with flood insurance.
We invite you to give us a call at your convenience at (888) 639-4560, or if you prefer email us or return the form on this page.
Since 1964, A.J. Benet has been serving residents in New York City, Pelham Manor, Pelham, New Rochelle, Larchmont, Mamaroneck, Harrison, Rye, Port Chester, Rye Brook, South Salem, Purchase, White Plains, Scarsdale, Eastchester, Bronxville, Armonk, Chappaqua, Briarcliff, Pound Ridge, Bedford, Mt. Kisco, and Katonah, New York; as well as in the Connecticut communities of Greenwich, Cos Cob, Riverside, Stamford, Darien, Rowayton, Fairfield, Westport, Southport, and New Canaan.