Flood Insurance – Elite Realty & Insurance Services LLC
Protect your home and property from costly water damage with reliable flood insurance coverage. Standard homeowners insurance does not cover flood damage—having the right policy is essential, especially in Connecticut.
Why Flood Insurance Matters
Flooding can happen anywhere—not just in high-risk zones. Heavy rain, snowmelt, or storms can cause significant damage, and without flood insurance, you may be responsible for all repair costs out of pocket.
What Flood Insurance Covers
Building Coverage
- Foundation and structure
- Electrical and plumbing systems
- HVAC systems (heating & cooling)
- Water heaters and appliancesand structure
- Permanently installed flooring and cabinets
Contents Coverage
- Furniture and personal belongings
- Clothing and valuables
- Electronics and appliances
- Rugs and portable items
Who Needs Health Insurance?
- Homeowners in flood zones
- Properties near rivers, lakes, or coastal areas
- Buyers with federally backed mortgages (often required)
- Landlords and property investors
- Anyone who wants protection from unexpected water damage
Flood Zones Explained
Even low-risk areas account for a large percentage of flood claims.
High-Risk Zones (A, AE, V)
Higher premiums, often required by lenders
- Coastal and low-lying areas
- Areas with history of flooding
Moderate to Low-Risk Zones (B, C, X)
Lower cost, still at risk
- Areas outside high-risk zones
- Properties with elevation above flood level
What Flood Insurance Covers
NFIP & Private Carriers
Policies are often backed by the National Flood Insurance Program (NFIP) or private carriers
- Standardized coverage options
- Government-backed program
Coverage Limits & Waiting Period
Coverage limits may vary depending on the provider
- Typically 30-day waiting period
- Coverage begins after waiting period ends
Flood Insurance Contact Form
Fill out the form below and we’ll help you find the right coverage.
Contact Elite Realty & Insurance Services
Contact us today to schedule a consultation, request a free insurance quote, or learn more about our real estate and insurance services.