Flood Insurance for Massachusetts Residents

Flooding is the most common natural disaster to impact homes in the United States. It only takes one event to transform dozens of family homes into unlivable buildings, and recovery is expensive. Beyond Mother Nature, flooding can also occur from faulty plumbing and other circumstances. Thankfully, you can protect your home with flood insurance from A-Affordable Insurance. We provide Massachusetts residents with affordable, convenient policies and the peace of mind that you can recover after a devastating flood.

The Importance of Flood Insurance

Many people believe you only need flood insurance if you live near water. Unfortunately, this isn’t quite true. Recent natural disasters have proven that floods can affect you no matter where you are – even if you’re nowhere near a body of water. Plus, flood damage isn’t only caused by coastal storms and overflowing rivers, as homes are also under threat from the following:

  • Slow-moving storms
  • Melting snow
  • Blocked sewers
  • New construction

Very few homeowners insurance policies offer flood insurance as a standard option. Most companies believe the risk is simply too expensive to justify including it for everyone. Unfortunately, without it, your home can be ruined in a single event. If you want protection against floods, you’ll have to buy an additional policy on top of whatever home, condo, or renters insurance you own.


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Flooded living room

What Does It Cover?Lake with high water level

Flood insurance will cover you from an assortment of causes, from natural floods to sewer backwashes to a malfunctioning washing machine. In case of a flood, your insurance will pay for the following:

  • Repair or replacement of damaged and destroyed property
  • Cost of living if your home becomes unlivable until it is fixed

There are two different types of flood insurance. The first covers damage to the structure of the home, including damage caused by water pressure and by rot from moisture. The second type covers damage to possessions inside the home. Both are essential for homeowners to fully protect their assets.

Why Work with A-Affordable Insurance?

Flood insurance is a worthwhile investment when it comes to peace of mind, but it also can be expensive. At A-Affordable Insurance, we believe coverage should be affordable to everyone, regardless of your prior insurance payment history. Since 1984, we’ve been dedicated to helping Massachusetts residents find quality policies within their budgets so they can protect their homes without breaking the bank.

Purchase Flood Insurance Today

Gain the confidence that you can recover after a disaster by investing in flood insurance today! Most insurance carriers require a full 30 days before your policy is considered active.  Once a storm is in the forecast, it’s too late to get your home insured for that storm, so don’t wait!  Make sure your home is covered well before a storm hits.

At A-Affordable Insurance, we don’t require an appointment. Simply drop by one of our offices, fill out our quote request form or give us a call at 800-89-SAVES (72837).

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Homeowners Insurance

A standard homeowners’ insurance policy protects the structure of your home from different types of damage like fire, theft, vandalism, lightning, and other named perils.  You also need to protect the possessions inside your home from loss or damage. 

 Here, at A-Affordable Insurance Agency, we are proud to offer you additional options such as:

  • Replacement Cost Coverage to replace the damaged property with materials of like kind and quality, without any deduction for depreciation
  • Additional Living Expense Coverage for when a disaster makes your home uninhabitable during repairs from a covered loss or event
  • Liability Insurance Coverage that protects you if someone is injured on or near your property
  • Coverage for Business Equipment or Business Inventory in your home
  • Valuable Articles/Floater Insurance and much, much more

Condo Insurance

Condo insurance coverage is unique. You may believe the insurance you have through the
condo association is sufficient to meet your needs, but that’s not so. Your condo association insurance essentially covers the studs and sub-flooring – and little else.

This means that you also need coverage for everything from faucets, fixtures, walls, and floor coverings to your furniture, cabinetry, and even your wall coverings. Essentially, any improvements you made to the condo, other than the bare bones of the building, are excluded from the association’s condo insurance coverage.

Contact one of our insurance specialists today for a free quote!

Renters Insurance

Massachusetts renters insurance serves as a safety net for you and your possessions.  Not only does it help you replace your most coveted possessions when they are lost from covered events, but it also provides liability coverage in case someone gets hurt while hanging out with you at your apartment. It even covers temporary living expenses and certain medical/legal fees.

The best part is that this valuable protection doesn’t have to cost you a lot. A-Affordable offers very attractive and affordable policies.  We can even save you more by bundling your renter’s policy with your auto policy.

Call us at 1-800-897-2837, visit one of our 15 conveniently located offices, or fill out the form on this page to learn more about renters insurance and how we can help save money on all of your insurance needs.

  • I spoke with Jeremie today and he was fantastic! He helped me with everything I needed and sent me paperwork I requested immediately. He was great and very respectful to my needs. Thank you Jeremie for all your help. Keep up the good work, I couldn't have asked for a better representative to be helped by.

    thumb Rose Vella
    June 14, 2022
  • I've been to A affordable a few times at this point and I've always had amazing Customer service reps there, this guy named Jeremie has helped me numerous times with different questions he always seems very easy to talk to and very positive and knowledgeable within his job, I appreciate the whole team there and the work they do.

    thumb MBA BOYYY
    May 23, 2022
  • A-Affordable has been my insurance company for years now. I unfortunately lost my husband recently and he always took care of the insurance. I called and Jeremie from the Leominster office answered. Jeremie has been wonderful. He answered all my questions, helped me with my policy. I just renewed my policy which once again Jeremie helped me with. Made is so easy for me. My local Framingham office also deserves a shout out. Thank you and keep up the good work.

    thumb Mrs.Salty JP
    April 25, 2022

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