The top-rated flood insurance agent in North Andover, Massachusetts is MTM Insurance Associates, LLC, rated 4.9 stars across 93 reviews. Other highly rated options include MTMBrainerd INC., Durso & Jankowski Insurance, MacDonald & Pangione Insurance Agency. This directory lists 13 flood insurance agents serving North Andover.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | MTM Insurance Associates, LLC | 1320 Osgood St | (978) 681-5700 |
| 2 | MTMBrainerd INC. | 1320 Osgood St | (978) 681-5700 |
| 3 | Durso & Jankowski Insurance | 11 Saunders St | (978) 688-7000 |
| 4 | MacDonald & Pangione Insurance Agency | 104 Main St | (978) 688-6921 |
| 5 | Perry Insurance Agency, LLC. | 857 Turnpike St | (978) 685-7690 |
| 6 | Prime Insurance Services, Inc. | 401 Andover St suite 201 a | (978) 685-9999 |
| 7 | MP Roberts Insurance Agency | 1060 Osgood St | (978) 683-8073 |
| 8 | Acrisure North Andover, MA (Foster Sullivan Insurance Group) | 163 Main St | (978) 686-2266 |
| 9 | R.W. Testa Insurance Agency | 855 Turnpike St | (978) 685-1150 |
| 10 | Jeffrey Mathias & Inc Brokerage | 200 Sutton St # 160 | (978) 688-5531 |
MTM Insurance Associates, LLC serves the Merrimack Valley and North Andover, Massachusetts region as a dedicated flood insurance agent. The company helps homeowners, renters, and business owners secure flood coverage policies tailored to local flood zone risks. Navigating the requirements for federally backed mortgages and the National Flood Insurance Program is a primary focus. Agents guide clients through elevation certificates and coverage limit decisions. MTM Insurance Associates handles both primary dwelling policies and separate contents-only flood protection for renters in the area.
MTMBrainerd INC. provides flood insurance agency services throughout the North Andover, Massachusetts area, including policy evaluation and application assistance. The company helps clients understand available coverage options for flood-related risks, ensuring property owners can access appropriate protection for their specific needs. It offers guidance on plan selection and policy maintenance to help clients keep their coverage current. The company serves single-family homes, apartments, retail establishments, and restaurants in the surrounding community.
Homeowners, businesses, and property managers in North Andover, MA, rely on this agent to navigate flood insurance policies required by lenders and local flood zone maps. The team advises on National Flood Insurance Program options and private coverage alternatives, helping clients understand elevation certificates and coverage limits. Service extends to neighboring communities throughout Essex County, including Andover, Lawrence, and Methuen.
MacDonald & Pangione Insurance Agency serves North Andover, MA, and the surrounding Merrimack Valley communities, handling residential and commercial flood insurance policies. The agency addresses flood risks tied to local waterways and storm patterns, guiding clients through NFIP and private coverage options. For a typical job, it assesses the property’s flood zone designation and elevation data to recommend appropriate policy limits and deductibles that meet the client’s specific needs.
For ongoing protection, flood insurance requires an annual policy renewal, while a one-time quote can serve as a financial planning tool. Coverage typically includes structural damage to the building and contents from rising water, helping property owners in North Andover, MA manage risk. Perry Insurance Agency, LLC specializes as a flood insurance agent to guide clients through these options. Service for obtaining a new policy or adjusting existing coverage runs on an as-needed basis, with renewals handled on a scheduled annual cycle.
As severe storms and nor’easters become more frequent in North Andover, homes near rivers and low-lying areas face growing flood risks beyond federal flood zone maps. Prime Insurance Services, Inc. helps local property owners address this vulnerability by focusing exclusively on flood insurance policies specific to the region’s weather patterns. Clients receive guidance tailored to their structure’s elevation and their municipality’s drainage history. Every initial quote begins with a thorough property inspection to document existing conditions and verify accurate flood zone classification.
MP Roberts Insurance Agency provides specialized guidance on flood insurance policies and helps property owners in North Andover navigate the National Flood Insurance Program’s requirements. The agency works closely with clients to assess their specific exposure, evaluate coverage options, and secure suitable protection for homes and businesses. It assists with renewals and policy adjustments as risk conditions change. This service is particularly valuable for local residents preparing for the increased flood risk that accompanies heavy spring rains and rapid snowmelt in the Merrimack Valley region.
Acrisure North Andover, MA (Foster Sullivan Insurance Group) helps property owners assess flood risk and secure coverage that addresses policy gaps in standard plans. The firm specializes in tailoring flood insurance to match specific local exposure, including rising water from storms and overflow events. Commercial sectors served include professional offices, warehouses, and food service establishments, where unique building contents and operational downtime concerns require distinct flood policy solutions.
R.W. Testa Insurance Agency in North Andover, MA, helps residential property owners find flood insurance policies to protect their homes from water damage. The agency also offers commercial flood coverage for local businesses seeking financial safeguards against potential flooding events. Serving the greater North Andover area and surrounding communities, they assist clients in understanding necessary coverage options. After a policy is placed, the agency follows up to address any changes before the next regular visit, ensuring ongoing protection remains appropriate.
Jeffrey Mathias & Inc Brokerage in North Andover, MA, serves as a dedicated local source for flood insurance policies. The company specializes in guiding property owners through the complexities of National Flood Insurance Program coverage and private market alternatives best suited to the Merrimack River area. Clients can expect thorough assistance with risk assessments, flood zone determinations, and claims support. The brokerage also provides tailored consultations on adding excess flood coverage for high-value homes and businesses above standard federal limits.
What Does a a Flood Insurance Agent in North Andover Cost?
Typical NFIP flood insurance costs in Massachusetts range from 700 to 2,000 dollars per year for a standard residential policy, but this varies by flood zone, property value, and elevation. Private market policies may cost more or less depending on risk. Premiums are set by FEMA for NFIP policies and can be reduced with an elevation certificate. This is general information and not insurance advice.
About flood insurance agents in North Andover
Flood insurance agents in North Andover Massachusetts help homeowners and businesses secure coverage against flood damage. Massachusetts participates in the National Flood Insurance Program (NFIP) and local agents can guide you through flood zone maps and elevation certificates. Working with a local agent ensures you understand the specific flood risks for the Merrimack River area and nearby wetlands.
Frequently Asked Questions
Do I need flood insurance in North Andover Massachusetts?
If your property is in a FEMA-designated Special Flood Hazard Area (SFHA) and you have a federally backed mortgage, you are required to carry flood insurance. Even outside high-risk zones, flood insurance is recommended because 20 percent of NFIP claims come from moderate-to-low risk areas.
What does a flood insurance agent in North Andover do?
A flood insurance agent helps you assess your flood risk, explains NFIP and private policy options, and assists with completing the application and elevation certificate. They also help you understand waiting periods and coverage limits specific to Massachusetts.
How long does it take for flood insurance to start in Massachusetts?
NFIP policies typically have a 30-day waiting period from the date of application before coverage begins. Exceptions exist for loan closings or map changes. Private insurers may have different waiting periods, so ask your agent for details.
Flood Insurance Agents in Other Massachusetts Cities
Arlington · Attleboro · Beverly · Boston · Braintree · Brockton · Burlington · Cambridge · Canton · Chelmsford · Chelsea · Chicopee · Danvers · Dedham · East Longmeadow