The top-rated flood insurance agent in Lawrence, Massachusetts is A-Affordable Insurance Agency, Inc., rated 4.6 stars across 280 reviews. Other highly rated options include Silverio Insurance Agency, Mill City Insurance, Ruby Insurance Agency. This directory lists 13 flood insurance agents serving Lawrence.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | A-Affordable Insurance Agency, Inc. | 69 Winthrop Ave Unit B | (978) 686-3455 |
| 2 | Silverio Insurance Agency | 10 S Broadway | (978) 685-0209 |
| 3 | Mill City Insurance | 290 Merrimack St #115 | (978) 686-3400 |
| 4 | Ruby Insurance Agency | 46 Stafford St Ste. 2962 | (978) 655-3208 |
| 5 | Walter Insurance | 86 Broadway | (978) 683-3645 |
| 6 | Elite Insurance Agency | 505 Broadway | (351) 207-1321 |
| 7 | Broadway Plaza Insurance Agency | 310 Broadway | (978) 685-3771 |
| 8 | Essex Insurance Agency | 599 Canal St 1w suite 1 | (978) 377-9666 |
| 9 | PEREZ Insurance and Financial Services, LLC | 17 McKinley Ave | (978) 258-5021 |
| 10 | Greater Lawrence Insurance | 510 Essex St | (978) 683-4177 |
A-Affordable Insurance Agency, Inc. of Lawrence, Massachusetts serves clients across the Merrimack Valley and surrounding communities. It handles flood insurance policies designed to protect residential and commercial properties from water damage caused by natural disasters. The agency provides guidance on National Flood Insurance Program requirements and coverage options available to property owners in designated flood zones. It begins each job by assessing a client’s specific risk level and the value of the insured structure to determine appropriate policy limits.
Silverio Insurance Agency serves the Lawrence, Massachusetts area as a flood insurance agent. It helps property owners and renters obtain flood coverage through the National Flood Insurance Program. The agency assists clients in understanding local flood zone regulations and policy requirements for properties in flood-prone regions. Its work involves evaluating risk exposure for residential and commercial structures. Silverio Insurance Agency handles flood insurance applications and claim support for clients in and around Lawrence.
Mill City Insurance serves Lynn, Massachusetts, and the surrounding North Shore communities, handling flood insurance policies for homeowners and renters. The company addresses the specific flood risks common to coastal areas, focusing on policies for properties in special flood hazard zones. When managing a typical claim, it begins by reviewing the policyholder’s coverage and then coordinates directly with the flood insurance program adjusters to document damages and guide the client through the required paperwork and inspections.
Ruby Insurance Agency provides flood insurance coverage and policy management for property owners in Lawrence, Massachusetts. It assists clients in selecting appropriate plans and offers ongoing policy maintenance to ensure coverage remains aligned with changing flood zone requirements. The agency also helps with documentation and renewal support for existing policies. Its services apply to single-family homes, apartments, retail spaces, and restaurants.
Walter Insurance serves homeowners, businesses, and property managers in Lawrence, Massachusetts, by guiding them through flood insurance options and assisting with policy applications. As a local flood insurance agent, it helps clients understand National Flood Insurance Program requirements and risk factors common to the Merrimack Valley area. The agency covers property needs across Lawrence and extends its services to neighboring communities such as Methuen or Andover, ensuring broader access for residents in the greater Merrimack Valley metro.
Elite Insurance Agency in Lawrence, MA offers both standalone flood insurance policies and those attached to existing homeowners coverage. Each option protects structures and contents against rising water, flash floods, and storm surge not covered by standard hazard policies. As a flood insurance agent, the company analyzes flood zone maps and elevation certificates to match FEMA and private market requirements. Depending on the property’s risk and specific needs, service runs on an as-needed basis for initial quotes or annual renewals.
Serving Lawrence, Massachusetts, and the surrounding Merrimack Valley communities, Broadway Plaza Insurance Agency focuses on securing flood insurance for homeowners, renters, and commercial property owners. It handles policies that protect against water damage from heavy rainfall, storm surges, and rising rivers typical to this region. To manage each account, the agency evaluates a property’s specific flood zone and elevation data to recommend appropriate coverage limits and deductibles for an individual risk profile.
Essex Insurance Agency specializes in providing flood insurance policies for residential and commercial properties in the Lawrence, Massachusetts area. The agency guides clients through the complexities of the National Flood Insurance Program and private market options for structure and content coverage. It assists with evaluating property risk and ensuring compliance with local floodplain regulations. As the Atlantic hurricane season approaches each year, Essex Insurance Agency helps property owners review their existing policies to address potential gaps in coverage before storm surges or heavy inland rains arrive.
PEREZ Insurance and Financial Services, LLC works with homeowners and business operators in Lawrence, MA, to secure coverage that addresses a range of property risks. The agency specializes specifically in flood insurance, helping clients obtain policies that protect against water damage from storms or rising waterways. Agents assist with navigating federal requirements and coverage options for new or existing structures. This service is available for commercial sectors including local offices, warehouses, and food service operations.
After the heavy rains that can affect northeastern Massachusetts each spring, homeowners in Lawrence often face rising water risks. Greater Lawrence Insurance serves as a local flood insurance agent in this region, helping residents understand their coverage needs. The company assists clients in reviewing standard policy options that address flood damage distinct from typical homeowners insurance. To begin the process, a representative can schedule a site inspection to evaluate the property’s specific flood exposure and discuss available coverage adjustments.
What Does a a Flood Insurance Agent in Lawrence Cost?
The average annual flood insurance premium in Massachusetts is around $700 to $1,200 for a standard NFIP policy, but rates vary widely based on flood zone, building elevation, and coverage amount. In Lawrence, properties in high-risk AE zones may pay more, while those in lower-risk zones pay less. Private flood insurance options may offer different pricing. This is general information and not insurance advice.
About flood insurance agents in Lawrence
Flood insurance agents in Lawrence Massachusetts help property owners understand their risk and secure coverage through the National Flood Insurance Program or private carriers. Massachusetts law requires lenders to mandate flood insurance for properties in high-risk zones, but many Lawrence residents benefit from policies even outside mapped floodplains. A local agent can explain elevation certificates and the 30-day waiting period before coverage takes effect.
Frequently Asked Questions
Do I need flood insurance if I live outside a FEMA flood zone in Lawrence?
You are not legally required to have flood insurance outside a high-risk zone, but many homeowners choose it because 20 percent of NFIP claims come from low- or moderate-risk areas. An agent can review your property and recommend a policy that fits your needs.
How does the 30-day waiting period for flood insurance work in Massachusetts?
Most NFIP policies have a 30-day waiting period from the date of purchase before coverage begins. This rule applies in Lawrence and across Massachusetts, so do not wait until a storm is forecast to buy a policy. An agent can explain exceptions for new home purchases or loan closings.
What is an elevation certificate and do I need one in Lawrence?
An elevation certificate is a document that shows your propertys base flood elevation and lowest floor height. It can lower your flood insurance premium if your building is above the flood level. Your agent can help you obtain one from a licensed surveyor or engineer.
Flood Insurance Agents in Other Massachusetts Cities
Arlington · Attleboro · Beverly · Boston · Braintree · Brockton · Burlington · Cambridge · Canton · Chelmsford · Chelsea · Chicopee · Danvers · Dedham · East Longmeadow