Flood insurance is not required for homeowners by law, but your mortgage lender may require it.


Southeast Massachusetts is a wonderful place to live. However, our location, geography, and climate are all factors in occasional rainstorms that can lead to serious flooding. Flood damage is not covered by your home insurance policy. To make sure your losses are covered in the event of a flood, you need to have flood insurance for homeowners. Almeida & Carlson Insurance Agency is here to help.

Do you need flood insurance? Yes.

Flood insurance covers things your homeowner’s insurance policy does not. Remember, your homeowner’s insurance policy does NOT cover flood damage. The average loss from flood damage is $40,000. With our unpredictable climate, you cannot afford to do without it.

Flood insurance is not required for homeowners by law, but your mortgage lender may require it. If your home is in a high-risk flood area, your mortgage lender may require you to secure a flood insurance policy. Almeida & Carlson Insurance Agency has helped many new homeowners secure flood insurance coverage at competitive rates.

Your flood insurance options

Most flood insurance policies for homeowners are written through the National Flood Insurance Program. The National Flood Insurance Program or NFIP is a program that allows property owners in participating communities to purchase flood protection administered by FEMA. You can secure a flood insurance policy through Almeida & Carlson Insurance Agency.

Private flood insurance plans for homeowners are available. You do not have to secure flood insurance that is backed by the NFIP. Almeida & Carlson Insurance Agency partners offer private flood insurance plans that exceed NFIP limits.

What your flood insurance policy will cover

Understand What’s Covered. NFIP policies have maximum coverage limits of $250,000 for home structure and $100,000 for its contents. As mentioned, you can opt for private flood insurance. Policies cover electric systems, HVAC systems, plumbing systems, carpeting, installed features such as bookcases and cabinets, appliances, personal property, foundations, and support structures. Ten percent (10%) of dwelling coverage can go towards your detached garage.

Understand what’s not covered. There are numerous exclusions in an NFIP policy. Some of these include earth movement (sinkholes), damage from a sewer backup, lost income, your vehicle (would be covered under a comprehensive auto insurance policy), relocation costs, and detached property.

Sandwich Office

92 Tupper Rd
PO Box 719
Sandwich, MA 02563

Phone Number  (508) 888-0207

Fax Number  (508) 888-0550

Plymouth Office

28 Samoset St
PO Box 3255
PlymouthMA 02360

Phone Number   (508) 746-1965

Fax Number  (508) 746-1668

Falmouth Office

79 Davis Straits
PO Box 554
FalmouthMA 02540

 Phone Number  (508) 540-6161

Fax Number  (508) 457-7660

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