Your homeowners policy excludes rising water, no matter how bad the storm gets. We write both NFIP and private flood policies for Long Island homes and quote them side by side, so you can see what the federal program pays for and where a private carrier does better. One thing we tell everyone: NFIP coverage has a 30-day wait, so don't put it off until a storm is on the map.
Flood insurance is a separate policy for damage caused by rising water — the one loss that homeowners, renters, and commercial policies all exclude. Here's what it pays for.
The physical structure of your home or business: foundation, electrical systems, plumbing, HVAC, and built-in appliances damaged by flooding.
Your belongings: furniture, electronics, clothing, and valuables damaged by floodwater. Contents coverage is purchased separately from building coverage.
Private flood policies may extend coverage to garages and other structures on your property that a standard NFIP building policy leaves out.
NFIP policies cover certain items in your basement, such as HVAC equipment, water heaters, and electrical panels. Private policies may go further below grade.
The cost of water removal, drying, and mold remediation as part of restoring the property after a flood.
If your home is substantially damaged, NFIP policies include up to $30,000 toward bringing the rebuilt home up to current floodplain regulations.
Answered the way we'd answer them on the phone.
Long Island — including Nassau County — has significant flood exposure, particularly in low-lying coastal areas. Even if you're not in a high-risk zone, flooding can occur anywhere. Many areas near Great South Bay and the Atlantic experienced significant flood events in recent years.
NFIP (National Flood Insurance Program) is the federal program with standardized coverage up to $250,000 for buildings and $100,000 for contents. Private flood insurance often offers higher limits, broader coverage, faster claims, and sometimes lower premiums. We write both.
NFIP policies have a 30-day waiting period from the date of purchase before coverage takes effect. Private flood policies may have shorter waiting periods. Don't wait until a storm is approaching.
NFIP rates vary based on your flood zone, elevation certificate, and coverage amount. Private flood rates vary by carrier. We'll compare options to find the best combination of coverage and cost for your property.
Send your address through the quote form and a licensed agent will price it both ways, NFIP and private. The NFIP clock runs 30 days from purchase, so the sooner you start, the sooner you're covered.