Coverage Overview
Connecticut's 618 miles of coastline along Long Island Sound and numerous rivers make flood insurance an essential consideration for many property owners. Standard homeowners insurance doesn't cover flood damage, making specialized flood insurance crucial protection for your home and possessions.
Options from both the National Flood Insurance Program (NFIP) and private carriers
Specialized coverage for Connecticut's coastal properties, including luxury waterfront homes
Protection for properties along Connecticut's rivers and in urban areas prone to flash flooding
Expert guidance on flood zone mapping and risk assessment for your specific property
What Our Flood Insurance Covers
We offer comprehensive flood insurance options for Connecticut property owners, with solutions for properties in all flood risk zones.
Building Coverage
Protects the structure of your home, including the foundation, walls, electrical systems, plumbing, and built-in appliances.
Contents Coverage
Covers your personal belongings such as furniture, electronics, clothing, and other items damaged by flood waters.
Basement Protection
Options for enhanced coverage for finished basements, which are particularly vulnerable in Connecticut's coastal and river areas.
Replacement Cost Coverage
Pays to rebuild your home at current construction costs rather than depreciated value—essential for Connecticut's older homes.
Loss of Use
Covers additional living expenses if your home becomes uninhabitable due to flood damage while repairs are being made.
Elevated Cost of Compliance
Helps cover the cost of meeting current building codes when rebuilding after a flood, important for Connecticut's changing coastal regulations.
Connecticut-Specific Flood Risks
Connecticut faces several unique flood risks that require specialized insurance solutions.
Coastal Surge
Properties along Connecticut's Long Island Sound coastline face rising risks from storm surge and higher tides due to climate change. Our policies address these growing coastal vulnerabilities.
River Flooding
The Connecticut River and its tributaries present flood risks for many communities. Our flood insurance covers properties in these riverine flood zones with appropriate protection.
Urban Flooding
Connecticut's developed areas face increased flash flooding risks due to impervious surfaces and aging infrastructure. We provide coverage options for these urban flooding scenarios.