One Inch of Water Can Cost $25,000
Standard Homeowners Insurance does not cover floods. We help you find affordable protection through Neptune and the National Flood Program.
Get a Flood QuoteThe "It Won't Happen to Me" Myth
Many Connecticut homeowners believe they don't need flood insurance because they aren't right next to the Connecticut River or the shoreline.
The reality? 20% of all flood claims come from low-to-moderate risk zones. Heavy rain, melting snow, and backed-up storm drains can cause massive damage to your basement and foundation—damage that your standard Homeowners policy will likely deny.
- Flash Floods: Sudden heavy rainfall is becoming more common in New England.
- Snow Melt: Rapid thaw cycles in spring can overwhelm local drainage.
- Peace of Mind: Flood insurance is often much cheaper than you think, especially in "low risk" zones.
Why We Recommend Neptune Flood
While we can write FEMA (National Flood) policies, we often turn to Neptune Flood for our clients.
Neptune is a Private Flood option that uses advanced technology to offer better coverage, often at a lower price than the federal government.
- ✔ Higher Limits (Up to $4M vs FEMA's $250k)
- ✔ Shorter Waiting Period (10 days or Instant vs FEMA's 30 days)
- ✔ Replacement Cost on Personal Belongings
Private Flood vs. The Government (NFIP)
For decades, the National Flood Insurance Program (NFIP) was the only game in town. Now, private markets like Neptune have revolutionized the industry.
| Feature | FEMA / NFIP (Government) | Neptune / Private Market |
|---|---|---|
| Building Coverage Limit | Max $250,000 | Up to $4,000,000 |
| Contents Coverage | Max $100,000 (Actual Cash Value) | Up to $500,000 (Replacement Cost) |
| Waiting Period | 30 Days | 10 Days (or Instant for Closings) |
| Basement Contents | Very Limited | Broader Coverage Available |
| Additional Living Expenses (Hotel costs if displaced) |
Not Covered | Available Option |
*Coverage availability may vary based on your specific flood zone and property history.
Do You Need a Flood Quote Fast?
If you are closing on a home in 10 days, the FEMA 30-day waiting period could delay your closing. We can secure a Neptune policy that satisfies lender requirements instantly.
Common Flood Questions
Is Flood Insurance Mandatory?
If you have a mortgage and your home is in a high-risk flood zone (Zone A or AE), your lender will require it. However, if you are in a moderate zone (Zone X), it is optional—but highly recommended.
Does my Basement Count?
Flood insurance coverage for basements is limited. It usually covers structural elements (drywall, electrical, furnace) but often restricts coverage for personal belongings stored there. We can help clarify these limits.
What is an Elevation Certificate?
This is a document from a surveyor that shows how high your home sits relative to the flood plain. While private carriers like Neptune often use technology to skip this requirement, FEMA policies may still benefit from one to lower your rate.