Of all the natural disasters that impact households in the U.S., flooding is the most common. While many people falsely believe their homeowner’s insurance policy covers flooding, the truth of the matter is that very few offer flood coverage as a standard insurance protection.
It was once believed that you only need flood insurance coverage if you live in a coastal region. However, recent years and natural disasters have shown, that you don’t need to live anywhere near a major body of water in order to become a victim of floodwaters and the destruction they leave behind.
Devastating damages can be caused by simple things like:
- Slow moving storms
- Melting snow
- Blocked sewers
- New Construction
And much, much more can lead to widespread flood damage in communities and regions.
The good news is that A-Affordable Insurance Agency can help get you covered without breaking the bank. The bad news is that most flood policies require a full 30 days before they are considered active.
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Flood insurance covers water damage that your homeowners policy may not. Homeowners who live in communities where the National Flood Insurance Program (NFIP) is available can purchase two different types of flood insurance. The first covers damage to the structure or the home, and the second, which is also available to renters, covers damage to the possessions inside the home. Both coverages are vital to our financial recovery in the aftermath of a qualifying flood event.
Most flood policies require a full 30 days before they are considered active. This means that you cannot wait until a time when floods seem likely in order to make this important purchase. The last thing you want is to find yourself in need of this valuable coverage only to discover you don’t have it.
Contact our insurance specialists today! No appointment is necessary. You can drop by one of our 15 local offices at your convenience or we can even start a policy over the phone if you’re pressed for time. Just give us a call at 800-89-SAVES (800-897-2837) or fill out the quote request form on this page.
Our phone support hours are Monday through Thursday from 8 am to 8 pm, Friday from 8 am to 6 pm and Saturday from 9 am to 3 pm.
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 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!
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.
Holly did a great job at getting me my policy. Very friendly and professional highly recommended.
- Dawn Grossi
Regina was very helpful and went above and beyond. She got me a great deal on a new policy.
- Dan H
Michelle was extremely professional and helpful throughout the entire process. She is also very smart and patient and made the entire process easy. I would highly recommend using them.
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