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).

A-Affordable Insurance logo

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.

  • Rates are higher but for the right person is totally worth the quick service and faster DMV service

    E.T. J. Avatar E.T. J.
    January 29, 2024
  • I had Bianca R help me with my insurance and she made sure I was secure for my car. She explained everything clearly so I knew what I was signing, she was ready to fight for me when the car dealer was giving me a hard time. I would fully 110% recommend her or even give her a raise for how amazing she treated us and how fast she wanted to help get my first car on the road!

    lilliana lauziere Avatar lilliana lauziere
    October 5, 2023
  • A-Affordable SAVED MY BUTT. My previous insurance policy was cancelled due to non payment (attributed to a series of misunderstandings and late arriving letters), and when I went through my previous agency to find new coverage, the cheapest they found was a $4000 down payment and $450+ monthly payments. I only had two days to find new coverage before I would lose my registration on the vehicle. A friend directed me to A-Affordable, and Regina (the CSR) was able to get me set up with a new policy that was even less than my previous monthly payments! I’m incredibly grateful for how kind, understanding, knowledgeable and quick Regina was. Overall: incredible customer service, ACTUALLY affordable insurance coverage, and an easy process.

    Julia LaFosse Avatar Julia LaFosse
    March 30, 2023

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