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Flood Insurance

Flood Insurance - Main PAGE
Stay Afloat with Flood Insurance Coverage
Welcome to LoPriore Insurance, your trusted partner in safeguarding what matters most. When it comes to protecting your property from the devastating impact of floods, we are here to provide you with comprehensive flood insurance solutions. As a dedicated insurance agency, we understand the potential risks that floods pose and the importance of being prepared.

At LoPriore Insurance, we prioritize your protection, ensuring you’re well-prepared for any flood-related challenges that may come your way.
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Massachusetts Flood Insurance
Lopriore Insurance Agency

At LoPriore Insurance Agency, we know the significance of safeguarding your assets from the unpredictable forces of nature. Flood Insurance is designed to protect you from the financial aftermath of flooding incidents. As a property owner, you face potential risks from natural disasters like floods, which can cause extensive damage to your property and belongings. To ensure your peace of mind, having the right insurance coverage is crucial.

At LoPriore, our motto, “We make insurance easy for you,” reflects our commitment to simplifying the insurance process, making it hassle-free and efficient. Our team is here to assist you, whether you’re a seasoned property owner or a new one. You can rest assured that your property and assets are protected with a Flood Insurance policy that offers comprehensive protection.

Understanding the Importance of
Flood Insurance

Flood insurance provides financial protection to property owners and renters against the damages and losses caused by floods, ensuring they can recover and rebuild after such natural disasters. It is essential, especially for properties located in flood-prone areas, as standard insurance policies typically do not cover flood-related damages.

What is It?

Flood insurance is a specific type of insurance policy that covers damage caused to your property (both the structure and contents) by flooding. Floods can result from heavy or prolonged rains, coastal storm surges, snowmelt, blocked storm drainage systems, and more. Flood Insurance can help pay for repairs to the structure, replacement of personal belongings, and sometimes even temporary living expenses.

Why Do I Need It?

If your home or business is located in a flood zone or high-risk flood area. Flood Insurance is reccomended to safeguard your property and belongings from the devastating financial consequences of floods. Note standard insurance policies typically do not cover flood-related damages.

Who Is It For?

Homeowners with federal (FHA) mortgages are required to purchase flood insurance. However, it’s important to remember any homeowner can benefit from the protection provided by a flood insurance policy. Many homes outside of high-risk areas are damaged by floods each year.



Navigating the Waters
Personal FLood vs. Commercial Flood

Personal Flood Insurance

Building Coverage: This helps pay for repairs to the physical structure of your home if it’s damaged by a flood. This includes the foundation, electrical and plumbing systems, HVAC equipment, water heaters, built-in appliances, and more.

Contents Coverage: This covers personal belongings inside your home such as clothing, furniture, electronics, and some portable appliances.

Property Devaluation: In some policies, a decrease in property value post-flood might also be covered.

Commercial Flood Insurance

Building Coverage: Covers the main building and its foundation, electrical and plumbing systems, HVAC, and other equipment.

Contents Coverage: Protects office equipment, inventory, and other assets inside the building.

Business Interruption: Can help compensate for lost income if your business is forced to close temporarily due to flood damages.

Exterior Property: May include things like landscaping, signs, and parking lots.

How To Buy Flood Insurance

When looking into flood insurance, you will have two options to purchase an insurance policy. Flood Policies can be purchased through the National Flood Insurance Program (NFIP) or a private flood insurance company. Both serve the purpose of protecting your property from flood damage, but there are key differences to consider with each of them. 

Types of Flood Insurance in Massachusetts

National Flood Insurance Program
The National Flood Insurance Program (NFIP) is a U.S. government initiative that provides federally-backed insurance coverage for property owners in flood-prone areas, aiming to mitigate financial losses caused by flood damage. It also promotes community floodplain management and flood risk reduction efforts to enhance overall disaster resilience.
Private Flood Insurance
Private flood insurance refers to insurance policies offered by private insurance companies to protect property owners against the financial losses caused by flooding. Private flood insurance policies may offer more flexible coverage options, pricing, and additional benefits tailored to specific risk profiles and needs.

NFIP - National Flood Insurance Program

Administered by the Federal Emergency Management Agency (FEMA), NFIP policies are supported by the U.S. government.
Standardized Policies
Coverage options are generally standardized, making them consistent across different areas.
Available in participating communities across the U.S., especially in high-risk flood areas.
Coverage Limits
There are set limits on coverage, often capped at $250,000 for dwelling and $100,000 for personal possessions for residential properties.
Mandatory in Some Areas
If your property is in a high-risk flood zone and you have a federally backed mortgage, you may be required to purchase an NFIP policy.
30-Day Waiting Period
Typically, there's a 30-day waiting period from the date of purchase before coverage takes effect (with some exceptions).
Community Compliance
The community must adhere to certain floodplain management regulations.

Private Flood Insurance

Private Sector Providers
Issued by private insurance companies, not supported by the government.
Customizable Policies
Often offers more flexibility with coverage options, deductibles, and limits, allowing for customization to your specific needs.
Higher Limits Available
You may be able to obtain higher coverage limits than are available through the NFIP.
Potential Cost Savings
Depending on the property and location, private flood insurance might offer competitive or even lower premiums.
Shorter or No Waiting Period
Some private insurance companies may have shorter waiting periods or none at all to issue the policy
Not Available Everywhere
Depending on the provider and the risk level of your area, private flood insurance might not be available.
Potential Bundling Options
You may be able to bundle flood insurance with other insurance products from the same provider.

Tips for buying Flood Insurance in Massachusetts

When insuring your property, it’s essential to make well-informed decisions to ensure your operations and assets are adequately protected. Here are some crucial tips to consider.

Request an Elevation Certificate

If your property is in a flood-prone area, an Elevation Certificate may help in obtaining accurate rate quotes. The inspection provides a flood risk rating factor which could also lead to lower insurance premiums.

Understand Coverage Options

Familiarize yourself with the different types of flood insurance coverage available. The National Flood Insurance Program (NFIP) offers standard policies, and there are also private insurance options with varying coverage levels.

Check Your Flood Zone

 Evaluate the flood risk in your area by checking flood maps and historical data. Determine whether you are in a high-risk flood zone or a moderate-to-low-risk zone, as this will impact your coverage needs and premium costs.

How much does Flood Insurance Cost?

The cost of flood insurance varies depending on factors such as the property’s location, flood risk level, coverage limits, and the type of policy (NFIP or private). Premiums for properties in high-risk flood zones are generally higher than those in low to moderate risk areas. On average, NFIP flood insurance costs around $700-$1,000 annually, but private flood insurance may offer more comprehensive coverage options with varying premiums. To determine the exact cost for your property, it’s best to consult insurance providers or a local agent, who can assess your flood risk and provide personalized quotes based on your specific needs.

Flood Insurance - Cost
Coverage Type
And Limits
Building Characteristics
Government Subsidies
Claim History
Flood Zone
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Factors that Affect The Cost Of Flood Insurance

The cost of flood insurance is determined by factors such as the property’s flood zone, coverage limits, deductible, building characteristics, and location. Other factors, including the policy type (NFIP or private), flood history, government subsidies, and availability of private insurance, also play a role in influencing flood insurance premiums.

Flood Insurance Coverage Details

Flood insurance coverage provides essential financial protection for your property and belongings in the event of a flood. This comprehensive policy safeguards against flood-related damages, giving you peace of mind and ensuring you’re well-prepared to recover and rebuild after a flood event.

What's Covered By Flood Insurance?

The insurance policy provides coverage for direct physical losses caused by floods. It also includes losses resulting from flood-related erosion, which occurs due to excessive waters accompanied by severe storms, flash floods, abnormal tidal surges, or similar events that lead to flooding. Additionally, damages caused by mudflows, if they result from flooding, are covered as well. The policy extends coverage to protect the building itself, including its foundation elements, posts, pilings, piers, or any other support systems for elevated structures.

Building Coverage

Property coverage for the structure in a flood insurance policy specifically refers to the protection against flood-related damages to the physical construction of the building. This typically includes:

Building & Foundation
The main structure of the home and its foundation, including pillars and supports.
Electrical & Plumbing Systems
Wiring, circuit breakers, plumbing pipes, and associated fixtures.
HVAC Systems
Central air conditioning, furnaces, and water heaters.
Built-in Appliances
Permanently installed appliances such as dishwashers, stoves, and built-in refrigerators.
Permanently Installed Flooring
Carpets over unfinished flooring, hardwood floors, and tiles.
Wallboard & Paneling
Insulation, drywall, and other structural elements of interior walls.
Windows & Doors
Permanent fixtures, including windows and doors.
Detached Garages
Usually covers a specific percentage of the building coverage amount.
Fuel Tanks, Well Pumps, and Solar Equipment
Systems essential to the dwelling.
Flood Insurance - Building Coverage

Contents Coverage

Personal property coverage within a flood insurance policy refers to the protection against loss or damage to personal belongings due to flooding. This might include:

Flood Insurance - Contents Coverage
Sofas, tables, chairs, and other furnishings.
TVs, computers, stereos, and other electronic devices.
Apparel, shoes, accessories, and related items.
Portable appliances like microwaves, washing machines, and dryers.
Artwork & Collectibles
Certain valuable personal items like paintings and antiques.
Kitchenware & Utensils
Dishes, silverware, pots, and pans.

What's Not Covered By Flood Insurance?

Flood insurance does not cover most buildings located entirely over water, such as boathouses. Additionally, it excludes coverage for structures other than buildings, such as fences, retaining walls, swimming pools, and underground structures, as well as walkways, decks, driveways, and patios located outside the main building. However, the policy does provide coverage on an actual cash value basis for the contents (personal possessions) inside the building. It’s important to note that valuable items, such as artwork, rare books, jewelry, and furs, and personal property used in business, are limited to a maximum coverage of $2500.

Outside Property
Landscaping, fences, swimming pools, and decks.
Temporary Living Expenses
Costs related to temporary housing or meals while repairs are made.
Loss of Income
Business or rental income losses due to property damage.
Moisture & Mold Damage
Problems not directly caused by the flood itself, such as ongoing moisture or mold issues.
Basement Enhacements
Improvements to basements like finished walls, floors, and personal property that's kept there may have limited or no coverage.
Cars and Other Vehicles
Flood insurance for a residence typically doesn't cover damages to automobiles; this is generally handled through an auto insurance policy.
Earth Movements
Damage caused by landslides, earthquakes, or other earth movements, even if they are caused by a flood.

Don't Get Washed Away
Get Your Flood Insurance Quote Now!

Protect your property from the unexpected with flood insurance coverage. Get a personalized flood insurance quote today and ensure your peace of mind against the financial impact of floods. Safeguard your home and belongings with reliable flood insurance – act now!

Don't Get Washed Away
Get Your Flood Insurance Quote Now!

Protect your property from the unexpected with flood insurance coverage. Get a personalized flood insurance quote today and ensure your peace of mind against the financial impact of floods. Safeguard your home and belongings with reliable flood insurance – act now!

Replacement cost versus Actual Cash Value

Replacement cost versus
Actual Cash Value

When considering insurance coverage, two terms you’ll often encounter are Replacement Cost (RC) and Actual Cash Value (ACV). These terms refer to how a claim is valued and can have a significant impact on the amount you receive if you need to file a claim. Here’s how they differ

Replacement Cost (RC)
Replacement cost in flood insurance refers to the coverage that pays for the full cost of replacing or repairing your property, belongings, or other covered items, without factoring in depreciation. It is a crucial feature in flood insurance, ensuring that you can rebuild or replace damaged items with new ones of similar quality, regardless of their original value. This type of coverage provides more comprehensive protection, as it accounts for the actual cost of replacing your possessions at today's prices, offering greater financial security in the event of a flood-related loss.
Actual Cost Value (ACV)
Actual cash value (ACV) in flood insurance is an alternative coverage option to replacement cost. Unlike replacement cost coverage, ACV factors in depreciation when determining the value of your damaged property or belongings. In the event of a flood-related loss, the insurance payout under ACV will be based on the current value of the item, considering its age and condition at the time of the loss. As a result, the payout may be lower compared to replacement cost coverage, as it reflects the item's reduced value due to wear and tear over time.

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Where Do I Find a Copy of My Insurance Policy?

Insurance companies send you a copy of your insurance policy annually and if any changes to your policy have been made during the year. However, if you are unable to locate your policy, your insurance company or insurance agent should be able to send you a duplicate copy via email, fax, or mail.

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Once we receive your uploaded policy one of our team members begins reviewing your policy. We will then contact you to discuss your coverage options. Every insurance company has different underwriting guidelines and offers different coverages and rates. Be advised while we try our best to quote with the information provided it still may be necessary to obtain additional information from you to prepare the most accurate rate.

Extra Security, Extra Peace of Mind

Ready to secure your property from flood risks? Get a free flood insurance quote today and ensure your home and belongings are protected against the unexpected. Discover the coverage options tailored to your needs and take the first step towards safeguarding your future. Request your free quote now!

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Flood Insurance FAQs

No, all homeowner’s insurance policies specifically exclude coverage related to flood loss.

No, flood insurance is excluded from all business insurance policies.

Yes, that’s why it’s important to have flood insurance in place before you need it. There is a standard 30-day waiting period for new applications and endorsements to increase coverage. The only exception is when you’re purchasing homeowner’s insurance as a condition for a mortgage loan, in which case it will be effective upon closing.

A flood insurance elevation certificate is a document used by the National Flood Insurance Program (NFIP). The document uses your location, building characteristics, and lowest floor elevation to estimate your flood risk.

Yes. Standard flood deductibles begin at $500. You may have a higher deductible if you’ve chosen a flood insurance policy with lower monthly premiums.

Mold damage is covered when caused by the after-effects of flooding. However, each case will be evaluated individually. Mold/mildew that existed prior to the covered event will not be covered, and property owners may be required to take certain measures after a flood to avoid mold damage.

The cost of flood insurance can vary dramatically. It typically depends on your flood risk level and the amount of coverage you need. 

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What Others Are Saying About Us!

Jane was a very thorough agent. Got us all the information we needed.
Outstanding business. John the owner runs a great business
Thomas Carney
Thomas Carney
Had a great experience with LoPriore. Brian was super helpful and easy to communicate with. I'd definitely recommend him to anyone trying to navigate the insurance marketplace!
Madeline Line
Madeline Line
I did some hunting online to obtain an auto insurance quote and I couldn't be happier with what Maria did for me. First, I loved that LoPriore had an option where I could simply upload my existing policy to obtain a quote. Next, Maria was so efficient in getting back to me. Then with her knowledge of insurance and her companies to choose from, and this is NOT an exaggeration: saved me thousands!! Maria had such sincere empathy for the high premiums we were facing, she went above and beyond to find us a great solution. This experience has truly renewed my faith that there IS indeed personalized customer service still alive and thriving out there. I am so pleased to have found a new insurance agency that I had only online reviews to go by at the start, and that I can without hesitation fully recommend! Do not give it a second thought. Move your policies here.
Kathy I
Kathy I
John was extremely responsive and helpful in searching for insurance for our three family condo association. He went above and beyond answering the call on the weekend, looking through our current policy in detail, educating us on different options. I highly recommend John and his team.
Alisha Candela
Alisha Candela
Richard was excellent - very helpful in helping us find the best possible BOP for our Condo with Quincy Insurance. Thank you!
Ira Lanik
Ira Lanik
Brian Burgess was super easy to work with, and I was able to get a great policy without too much of a change in my premium, even though I went from a 13 year old car to a brand new car.
Tithi Dutta Roy
Tithi Dutta Roy
Maria was a professional, courteous, and efficient agent. Within a week of initially contacting her, I received quotes, had all my questions answered, had my policies written, and she notified my previous carrier of cancelation. It was a pleasure working with her.
Chad Laliberte
Chad Laliberte
Fast, accurate, responsive, and knowledgeable!
Lynn Thomas
Lynn Thomas
Honest, straightforward service for commercial and personal insurance lines. I’m a satisfied , long time customer
Ramana Lagemann
Ramana Lagemann
They have always treated us well and do a great job with our policies. They are always available if you have questions or concerns.
Great experience! We have two units in a duplex. I was looking for a company that provides master insurance. The prices are much more reasonable than the company we used to work with.Quick responses. I’m happy I found them.
Nina Fine
Nina Fine
I am so relived I was referred to this insurance company. It is true . . . . . you get what you pay for. I tried all the internet companies first and was bombarded by scams and wasted almost a week with ZERO results. I called and had the pleasure of being paired with an excellent agent Brian Burgess. By this time, I was in a complete panic because I couldn't pick up my new car from the dealership until was insured. I have always had an out-of-state West Coast license that was expired. He was so personable, patient, and very friendly. The most important is that he was professional and new exactly how to solve the insurance issue. He had my car insured within two hours! He has continued to follow-up with me through the process. I am going to refer him to my clients and friends. Thank you Brian!Raquel
Saved my HOA $1,500/year with much more coverage than our previous insurance agent. Tentative & informative.
Elisa Balboni
Elisa Balboni
Best insurance experience ever. Thank you Brian.
Elena EVNV
Elena EVNV
Just switched to LoPriore Ins. Agency. Got a better price from previous agency. Seems like better coverage so far so good
Stan Mills
Stan Mills
From the moment I was in contact with LoPriore agent I felt comfortable and secure that I been connected to someone I felt secure speaking with. Made my transition smooth and easy. Thank you!
It has been absolute pleasure working with Richard M. and the team at LoPriore Insurance. For years we did the direct route with homeowners and auto insurance thinking it would be easier and save us money. In beginning of 2022 we converted our multifamily home into condos and couldn't find any agent or companies willing to work with such a small HOA. I contacted Richard in a state of frustration and confusion and within a couple of hours he provided me with options and pricing. I was shocked at his ability to make the process look so easy compared to others I had been in contact with. Since then, we've also switched our primary residence and auto over their agency and Richard was able to get us better policies at a cheaper price! Our days of trying to go direct are behind us - I'm so relieved to have a dependable contact who can eliminate the confusion on such an important topic. Thank you, Richard, for your guidance and expertise!
Johanna Teahan
Johanna Teahan
LoPriore Insurance Agency is the best agency around. They are on top of things and get you the best prices. John & Rich are amazing. Always willing to go above and beyond to help me out.
Diana Reilly
Diana Reilly
The staff at LoPriore Insurance are second to none! Friendly, quick and knowledgable responses whenever information is needed. We have been a customer for over a decade and I know our business is in great hands with LoPriore Insurance Agency!
Judith Halloran
Judith Halloran
Best insurance company i ever worked with by far. Adam Griffin is really amazing and easy to work with.
avi golani
avi golani
Business matters are taken care of professionally, with great courtesy and thoroughness. All staff respond to questions as best they can or refer you to other staff as needed. All businesses should strive to be as well run.
Joe Smith
Joe Smith
Always quick, easy client service. Thank you.
Michael Cuddy
Michael Cuddy
Always excellent service, advice and genuine customer care.
Mary Kelly
Mary Kelly
Adam and the office staff is great anytime I call it gets done
Quick and considerate responses.
Emily Minty
Emily Minty
Prompt and efficient service and results, Would highly recommend LoPriore Insurance Agency.
Helen Corrigan
Helen Corrigan
Excellent rates and customer service.
Beverly Murphy
Beverly Murphy
Always responsive, professional and helpful.
Devin Cole
Devin Cole
I was given the most competitive quotes and the service is professional.
Xue Lin
Xue Lin
It is a great comfort to have someone like John and his team at LoPriore Insurance looking out for me and my business. Exceptional service and product knowledge is the reason I have used them for my business bond policy for more than 15 years. The staff is professional and responsive. I highly recommend them for all insurance needs.
Licia Commito
Licia Commito
Working with LoPriore has been incredible! Brian has been able to get great rates and is always incredibly quick to respond, prompt, and professional. If anyone asks me for a recommendation, I know where I'll be sending them!
Brian made getting a new car insurance quote so quick and easy! I would highly recommend Brian and LoPriore Insurance Agency to anyone looking for a new quote or a better price.
Emily Pedro
Emily Pedro
Amazing service especially during these trying times! Made the process seamless and quick! John and Danielle were both great to work with! I highly recommend.
It's all about the service baby!
Lopriore Insurance is the type of agency that shops around for you (the client) getting the best rate and most important, they get you the right coverage.
Recently, I had my families commercial property switched over from another local agency, saving us over 3k with a bunch of extra bells & whistles we didn't even ask for (who does that). This kind of service has me telling my family and friends to support them because of all they do.
Mike Moccia
Mike Moccia
I have appreciated all the help I’ve gotten, especially from Danielle! She always answered my phone calls and emails promptly and streamlined the process of getting multiple policies in place for us!
Wendy Vaughan
Wendy Vaughan
We have been working with LoPriore Insurance Agency for many years for our auto, personal and business insurance policies. Being a small business owner, it's nice to know that if any issues arise, it only takes a quick phone call to have someone help address it. We always feel that we are in good hands with John and his amazing team!
Adam Griffith is our main man at lopriore insurance. Very efficient and honest! Not just an agent but a trusted advisor. Try and find someone to figure out how to insure a tattoo shop within a barber shop?? You would think it’s not possible, but Adam made it happen.
John and his team are the best.
I use them for all my insurance needs, auto, home and business.
Companies that I work with are always impressed on how quickly they respond to all our insurance needs.

Try LoPriore insurance, you will not be disappointed
John R. Micieli
John R. Micieli
I send all my clients to LoPriore Insurance, I have received nothing but positive feedback both on price and service ! Keep up the great work John,Maria and Co.
Peter Camplin
Peter Camplin
I couldnt imagine doing my insurance anywhere else! Theyre the best!
I got into an accident a little over a month ago. My agent Danielle was very helpful. She was always able to answer my questions, if I couldn't reach anyone from safety she was able to contact them and have them get back to me right away. When I had to go to the office and do paperwork work all of the employees were very nice and helpful. I highly recommend this agency.
Kristy Marie
Kristy Marie
I have met many people in the Insurance industry, over my career of transacting Real Estate, and as a Broker/Owner of a firm. None, have made themselves so invaluable that I call them first without question, except for Lopriore. They offer consistently great service and rates, and help my clients with timely advice.

I trust them with my most valuable assets -- my clients, and my reputation.

Thank you for helping my clients, and my business!

Sean Callahan - Broker/Owner Callahan Real Estate
Sean Callahan
Sean Callahan
5 stars!! A family member of mine suggested that I call there insurance guy John at LoPriore Insurance to get a better quote on my current insurance. When I called John he was very easy to work with and extremely helpful. I couldn't be happier with how easy and fast it was to get a quote of my current policy which included a renters policy and it was all offered for $1200 less per year. After years of being insured by another insurance agency I always thought all prices were the same buying from insurance agencies.
To my surprise this wasn't the case and I can't be happier I was referred to the insurance guy!! I Also want to thank Maria at insurance office that made it simple to transfer and sign up with my new insurance. I literally did this all thru my iPhone and signed my paperwork via my phone which made the change so simple. I highly recommend you contacting them and seeing what they offer you!
Angela Bognanno
Angela Bognanno