Flood Insurance Agency In Western MA - Serving New England
Even if you don’t live in a high-risk area doesn’t mean it can’t happen to you. We can help you find the right coverage to help protect your home from rising waters, even if you don’t see yourself at risk.
The mythology surrounding flood insurance.
There are three major misconceptions about flood insurance that could lead to you taking unnecessary risk.
“Flooding doesn’t happen here”: there is the risk of a flood no matter where you live, and the possible damages are no illusion.
“Government programs have taken care of flood insurance”: There is a National Flood Insurance Program that guarantees that programs will be available in certain areas. However, this covers a small portion of American homes.
“Homeowners Insurance has me covered”: unfortunately, most homeowners insurance does not cover flooding off the bat and is something you’d have to add to cover that gap in coverage. A good rule to follow is to assume you are not covered unless it specifically says otherwise.
The reality of having versus not having coverage.
Most homes are at low risk, but even that small risk can incur a huge cost. If a flood hits, you could lose your personal possessions, face major rebuilding costs, or even be left with an uninhabitable home for month before repair, leaving you homeless. In many instances, not being covered is a risk you can’t afford to take.
We can help you decide which policy is best for your situation. Our representatives make the complex process of finding the right coverage easy to understand.
Pearson Wallace Insurance agents operate throughout New England and Massachusetts serving: South Boston, East Boston, Dorchester, Amherst, Pittsfield, Southern Berkshire County, Sheffield, Great Barrington, Lee, Lenox, Stockbridge, West Stockbridge and all towns and cities in Western MA.