Personal Insurance / Flood
Flood Insurance
This is the coverage people discover they do not have on the worst possible day. A standard homeowners policy excludes flood entirely, and flood means water that rises and comes in from outside. Northeastern Pennsylvania has the Lackawanna, the Susquehanna, and a great many creeks that behave badly in a heavy spring.
What It Covers
The parts of the policy, in plain terms.
Building coverage
The structure, its foundation, electrical and plumbing systems, furnace and water heater, and permanently installed fixtures.
Contents coverage
Your belongings, purchased separately from building coverage. Carrying one without the other is a common and expensive mistake.
Basement limits
Flood policies treat basements restrictively. Finished walls, flooring and most personal property below grade are limited or excluded, which is worth knowing before you finish one.
How it plays out
Three days of rain saturates the ground, a creek two streets over comes up, and eight inches of water sits in your basement long enough to take out the furnace and the water heater. Your homeowners policy does not respond to any of it. A flood policy does.
Frequently Asked Questions
Flood Insurance questions we get.
I am not in a flood zone. Do I still need it?
How long before flood coverage starts?
Does flood insurance cover a finished basement?
Is flood insurance required?
What Clients Say
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Dave is an amazing agent, and Kim is great too. They both worked very hard to get me the best rates. I felt they had my best interest at heart, not just what was good for them.
I just finished buying a house. My previous agent couldn’t find coverage for it. My realtor told me that “Dave always has an answer for her problems.” She couldn’t have been more right.
I highly recommend David Bartal. David took the time to listen to my circumstances and worked efficiently to get me quotes quickly. Within minutes, I had both my vehicles insured at a price I could actually afford. A very happy and satisfied customer.
Also worth a look
Other coverage we write.
Auto Insurance
Coverage shopped across multiple carriers, with real limits explained in plain terms.
Home Insurance
Coverage for the structure, your belongings, and the liability that comes with owning a house.
Condo Insurance
Fills the gap between the association's master policy and everything inside your unit.
Renters Insurance
Your belongings and your liability, even though the building is not yours.
Motorcycle Insurance
Cruisers, sport bikes, touring and off-road, with custom parts actually accounted for.
Boat & Watercraft
The boat, the motor and the trailer, on the water and on the road.
Let's get you a real number.
Tell us what you're insuring and David will shop it across our carriers. No obligation, and no pressure if your current policy turns out to be the better deal.
Independent agency / 10 carriers on file