The top-rated flood insurance agent in Stratford, Connecticut is A J Gambardella Insurance and Financial Services, rated 5.0 stars across 474 reviews. Other highly rated options include Omar Juarbe - State Farm Insurance Agent, Portsmouth Atlantic Insurance, Rick LoCicero - State Farm Insurance Agent. This directory lists 17 flood insurance agents serving Stratford.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | A J Gambardella Insurance and Financial Services | 6580 Main St #201 | (203) 377-8455 |
| 2 | Omar Juarbe - State Farm Insurance Agent | 3231 Main St | (203) 377-5167 |
| 3 | Portsmouth Atlantic Insurance | 160 1st Ave | (603) 431-4020 |
| 4 | Rick LoCicero - State Farm Insurance Agent | 1516 Barnum Ave | (203) 610-6939 |
| 5 | Scott Insurance | 3151 Main St | (203) 375-5847 |
| 6 | Kevin Lavelle: Allstate Insurance | 3651 Main St Unit 1 | (203) 371-1131 |
| 7 | Dougherty Insurance Agency, Inc. | 2420 Main St | (203) 377-4394 |
| 8 | State Farm Insurance | 3231 Main St | (203) 377-5167 |
| 9 | County Agency, Inc. | 2063 Barnum Ave | (203) 732-7650 |
| 10 | Lambros Insurance Services | 1980 Main St | (203) 377-2300 |
A J Gambardella Insurance and Financial Services in Stratford, Connecticut provides comprehensive flood insurance guidance, assisting clients in selecting policies from available markets. Their service approach involves explaining coverage options and renewal procedures to ensure adequate protection against water damage. They assist with policy maintenance, including necessary adjustments as properties change. This agency works with owners of single-family homes, apartment buildings, retail spaces, and restaurants seeking flood coverage in the area.
Omar Juarbe - State Farm Insurance Agent serves the Stratford, Connecticut, metro area as a flood insurance agent. It helps property owners navigate flood risk by evaluating coverage needs and explaining policy options. The agency assists clients in understanding federal flood program requirements and comparing private flood insurance alternatives. It handles claims support for flood damage and offers guidance on flood preparedness for homes and businesses. The agency specifically manages both residential flood policies and commercial flood insurance applications in this region.
Portsmouth Atlantic Insurance serves homeowners, businesses, and property managers in Stratford, Connecticut who need reliable flood insurance coverage. The agency assists clients in understanding local flood risk and identifying appropriate policies for their properties. It guides customers through the complexities of federal and private flood insurance options, helping them secure protection against potential water damage. The agency also offers its services to property owners in the neighboring community of Bridgeport as well as the greater Fairfield County metro area.
Serving Stratford, Connecticut, and the surrounding communities, Rick LoCicero - State Farm Insurance Agent handles flood insurance policies for homeowners and businesses. This agency assists clients in navigating the National Flood Insurance Program to secure appropriate coverage for their properties in flood-prone areas. The typical job begins with a detailed discussion of the client’s property location and risk exposure, then proceeds to compare available plan options to match the specific needs. A straightforward, educational approach is used to explain policy details and guide each client through the enrollment process.
Scott Insurance helps property owners in Stratford understand the difference between a flood insurance policy, which is a one-time purchase for a single event, and a National Flood Insurance Program policy, which provides ongoing, renewable coverage year after year. The agency can explain how each option protects structures and contents from rising water. Their service is available on an as-needed basis for policy questions, quotes, or coverage reviews.
Kevin Lavelle: Allstate Insurance in Stratford, CT specializes in securing flood insurance policies tailored to property exposure. It generally serves homeowners and businesses by assessing risk, explaining coverage options, and navigating the National Flood Insurance Program. The agency helps clients understand the difference between building and contents protection. As coastal storm seasons approach, the agency focuses on preparing Stratford residents for potential water damage from heavy rains and tidal surges.
With Stratford’s proximity to Long Island Sound, residents frequently face heavy rain and storm surges that threaten basement flooding. Dougherty Insurance Agency, Inc. serves these local property owners by reviewing flood insurance policies that protect against such water damage. The agency explains how National Flood Insurance Program coverage can safeguard homes during spring storms and hurricane season. They also clarify how to distinguish flood damage from standard water backup claims. For those concerned about rising flood maps, they complete a thorough property assessment during the initial consultation.
As a flood insurance agent in Stratford, CT, State Farm Insurance provides residential coverage to help homeowners protect their property from water damage. Commercial policies are also available for local businesses seeking financial security. Service extends throughout the Stratford area, where flood risk awareness is essential. Clients can discuss policy details and receive follow‑up support for any claims or questions between regular billing periods to maintain continuous protection.
County Agency, Inc. provides general insurance services to clients in Stratford, CT, with a specific focus on securing specialized flood insurance policies. The agency helps property owners navigate the complexities of flood risk coverage, ensuring protection against potential water damage. It serves a variety of commercial sectors, including offices, warehouses, and food service establishments, tailoring policies to meet distinct operational needs.
Lambros Insurance Services, based in Stratford, Connecticut, is an agency known for helping property owners secure flood insurance coverage. It assists clients throughout the local area in assessing flood risks and obtaining policies from the National Flood Insurance Program. The agency guides homeowners, renters, and commercial entities through the application process. It also helps those in designated flood zones understand their coverage needs. Additionally, Lambros Insurance Services can add on policies for excess flood coverage beyond standard federal limits.
What Does a a Flood Insurance Agent in Stratford Cost?
Flood insurance premiums in Connecticut vary by flood zone, elevation, and property value. In Stratford, typical NFIP policies cost between 500 and 2,500 dollars per year for a single-family home. Properties in high-risk zones like Zone A or VE may pay more. Elevation certificates and discounts for grandfathered rates can affect the final price. This is general information and not insurance advice.
About flood insurance agents in Stratford
Flood insurance agents in Stratford Connecticut help homeowners and businesses protect against flood damage. Connecticut law requires flood insurance for properties in high-risk flood zones if they have a federally backed mortgage. Agents can explain the National Flood Insurance Program rules and help you choose the right coverage for your property near Long Island Sound or the Housatonic River.
Frequently Asked Questions
Do I need flood insurance in Stratford Connecticut?
If your property is in a FEMA-designated high-risk flood zone and you have a federally backed mortgage, you are required to have flood insurance. Even in moderate-risk areas, many homeowners choose to buy a policy because flooding can happen anywhere.
What does a flood insurance agent in Stratford do?
A flood insurance agent helps you assess your flood risk, explains NFIP coverage limits and exclusions, and helps you complete the application. They also assist with filing claims and understanding the 30-day waiting period before most policies take effect.
How much flood insurance coverage can I get in Connecticut?
Under the NFIP, residential buildings can be insured up to 250,000 dollars and contents up to 100,000 dollars. Commercial properties can get up to 500,000 dollars for the building and 500,000 dollars for contents. Private insurers may offer higher limits.
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