Your Trusted NYC Partners for Flood Insurance Policies!
Don’t wait till a flood disaster approaches you! Get flood insurance quotes right from the comfort of your home with a Smart Apple insurance broker. We serve all five boroughs of NYC plus Nassau and Suffolk counties. So, contact us today (718) 523-5353 and get protected against flood damage!
Flood Insurance Made Simple and Convenient!
We arrange fast and easy flood coverage, offering both private and federal flood insurance. Further, we will assist you in getting financial aid in case of any water overflow due to flooding. Here is what we do differently!
Compare Flood Coverages
We compare flood insurance costs and coverage! Our experienced agents negotiate with FEMA and private flood insurance carriers, offering the most suitable coverage policy.
Offer Customize Coverage
We closely work with private flood insurance companies to offer personalized quotes offering additional coverages for ALE, valuable items, and basement coverage.
Get Excess Flood Insurance
Smart Apple helps you get excess flood insurance coverage in case you need more coverage than NFIP’s $100,000 standard policy limit.
Who Needs Flood Insurance?
YOU! No matter whether you are a landlord, homeowner, tenant or condo owner, you should get flood insurance.
- Homeowners Flood Insurance: It can cover the physical structure of your home, its foundation, and essential systems. Even if you’re not in a high-risk zone, a homeowners insurance with flood coverage policy is a smart choice!
- Flood Insurance for Renters: A renters insurance with flood coverage policy, often called a contents-only policy, will cover your belongings like furniture, electronics, and clothing.
- Condo Flood Insurance Policy: For condos, you will need a separate policy to protect your home’s interior. The same principle applies to flood insurance for mobile homes. A separate policy is needed to protect the structure and its contents.
Understanding the Need For Flooding Insurance in Detail!
Standard flood insurance offers coverage of $250,000 to cover the damages due to floods. However, it is necessary to understand that a standard flood policy can provide you coverage against structural damage. Some of the damages in this category are:
- Damage to flood surfaces (tiles, carpeting)
- Air conditioners
- Water heaters
- Debris clean-up.
So, it would be best to have an additional premium with standard home flood insurance to cover your home contents. This premium helps you get an additional coverage of $100,000. Moreover, you must discuss basement, ground-level enclosures, and crawlspace coverage with our insurance experts at Smart Apple. This coverage is limited in standard flood insurance.
Affordable Flood Insurance Policy for Residential and Commercial Properties!
At Smart Apple, we find the right coverage for your unique needs. Whether it’s for a residential or commercial property. We work with both the government’s program and a range of FEMA-approved flood insurance providers. Offering you an instant flood insurance quote that fits your budget.
- Commercial Property Coverage: Having business flood insurance means it protects the dwelling of your commercial properties. Plumbing and electrical systems, door and window blinds, refrigerators, and many other contents are protected by insurance.
Personal Property Coverage: for those who live in apartments, an apartment flood insurance is non-negotiable. It protects all items inside your home, like microwaves, air conditioners, televisions, computers, clothing, and furniture.
Why Smart Apple for Your Flood Insurance in New York?
Smart Apple has been in the insurance industry in New York for more than 13 years. Hundreds of individuals trust our insurance expert. For us, your comfort and budget considerations are key factors in offering insurance arrangements.
We ensure that only valid policies have been brought to you. So, don’t waste your valuable time finding the right flood insurance quotes. You are already on the right site!
Get a flood insurance quote online today!
- Email: info@smartapple.us
- Fill the online quote form.
FAQs:
Flood and homeowners insurance are two different policies. Your home insurance policy won’t cover floods. However, water damage such as burst pipes, water heater leakage and toilet overflows are typically covered. For peace of mind, we suggest buying flood insurance as well.
Insurance for floods isn’t mandatory by law. It’s essential to keep your property protected from damage, though. Additionally, if you have a mortgage, your lender might require it to protect their investment.
Contact Smart Apple for online flood insurance quotes. All you need to do is provide your property’s basic details and the type of coverage you are looking for. We will find the cheapest flood insurance to meet your coverage requirements while keeping the premium affordable.
It’s a policy that provides financial protection against flood damage. When you purchase flood insurance, the policy will protect your building structure and its contents to your policy limit.
You can purchase flood insurance online through Smart Apple insurance brokers. We gather, personalize and compare insurance policies on your behalf and provide you with the most satisfactory quote.
It depends on your area. For instance, the cost of flood insurance in a high-risk flood zone is drastically higher than in other flood zones like (B, C and X zones). You can use a flood insurance cost estimator to get an idea. Also, on average, the cost of flood insurance remains in the few hundred dollars annually.
Flood insurance is required in high-risk areas, such as Special Flood Hazard Areas (SFHAs). Also, FEMA designated zones with zone codes that begin with the letters “A” or “V.”
- Zone A (and sub-zones like AE, AO, AH, A99): These are inland high-risk zones that have a 1% or greater chance of flooding in any given year. This is also known as the “100-year floodplain.”
Zone V (and sub-zones like VE): These are coastal high-risk zones that, in addition to the flood risk, also face the hazard of storm waves.
For sure, Smart Apple offers expert insurance broker services to both commercial and personal properties. Our vision is to protect every property from unexpected events like floods and man-made disasters.
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