The top-rated flood insurance agent in Clifton Park, New York is Doug Neil Insurance Agency, rated 5.0 stars across 1,356 reviews. Other highly rated options include Tim Mcgrath - State Farm Insurance Agent, Farmers Insurance - Christine Sheppard, Cote Insurance Agency. This directory lists 20 flood insurance agents serving Clifton Park.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Doug Neil Insurance Agency | 955 NY-146 | (518) 783-3311 |
| 2 | Tim Mcgrath - State Farm Insurance Agent | 1471 US-9 Unit 107 | (518) 631-5113 |
| 3 | Farmers Insurance - Christine Sheppard | 632 Plank Rd #111 | (518) 220-2010 |
| 4 | Cote Insurance Agency | 1690 US-9 | (518) 630-6478 |
| 5 | Michele Metzger at Comparion Insurance Agency | 28 Corporate Dr #106 | (518) 243-1129 |
| 6 | Lee Serino - State Farm Insurance Agent | 868 NY-146 | (518) 371-0377 |
| 7 | Foursurance | 636 Plank Rd # 109 | (518) 978-4044 |
| 8 | Farmers Insurance - Mary Ann O'Brien | 22 Clifton Country Rd Suite 52 | (518) 280-1396 |
| 9 | StoneBuilt Insurance Agency Inc | 985 NY-146 Ste 1 | (518) 691-1233 |
| 10 | Thomas Rupert - State Farm Insurance Agent | 308 Grooms Rd | (518) 383-0060 |
Doug Neil Insurance Agency serves clients in Saratoga County and the surrounding Capital Region from its Clifton Park, New York office. The agency focuses on providing flood insurance policies to homeowners and business owners in the area. Flood coverage helps protect properties in designated flood zones against water damage from storms and rising waterways. Clients can discuss their need for a standard National Flood Insurance Program policy during a consultation appointment and can also get advice on excess flood coverage for higher-risk locations.
Tim Mcgrath - State Farm Insurance Agent in Clifton Park, NY, offers flood insurance as part of its broader personal and commercial coverage options. Services include assessing flood risk for properties in designated flood zones and standard areas, with policies designed to protect structure and contents. General maintenance plans involve periodic policy reviews to adjust coverage as flood maps or property conditions change. The agency provides these insurance services for single-family homes, apartments, retail locations, and restaurants throughout the local region.
Homeowners, businesses, and property managers in Clifton Park, NY turn to Farmers Insurance - Christine Sheppard for flood insurance agent services. As a local agency, it provides guidance on securing policies that help protect properties from flood-related damage. This includes explaining coverage options and assisting with the application process to meet the needs of those in flood-prone areas. The agency also serves clients in neighboring communities such as Saratoga Springs, helping property owners across the greater Capital Region prepare for potential water damage.
Cote Insurance Agency serves property owners in Clifton Park, New York, and the surrounding communities of Saratoga County. It handles the procurement of flood insurance policies for residential and commercial properties located in designated flood zones. The agency also advises clients on the importance of coverage even in lower-risk areas. To handle a typical job, the agent reviews a property’s flood map designation and structure value, then compares available federal and private carrier options to match appropriate coverage limits.
For those seeking protection against flooding, Michele Metzger at Comparion Insurance Agency in Clifton Park, NY offers both one-time policies for single properties and recurring options for ongoing coverage. As a flood insurance agent, the company helps residents navigate the specific risks of the area, including potential storm damage and rising water from nearby waterways. Service arrangements run on a one-time or as-needed basis depending on the client’s policy lifecycle and renewal schedule.
Lee Serino - State Farm Insurance Agent provides flood insurance guidance tailored specifically to homeowners and renters in Clifton Park, NY. The agency also handles general insurance needs, including auto, homeowners, and life policies. Flood coverage is especially important in this area due to sudden spring thaws and heavy summer storms, which can cause unexpected water damage. Lee Serino helps residents understand their flood risk and secure coverage before a storm system develops.
Spring thaws and heavy storms often challenge homeowners in Clifton Park, New York, with unexpected water damage from rising creeks and saturated yards. Foursurance provides specialized guidance on flood insurance policies designed to protect residential property from these recurring seasonal risks. Their agents assess local floodplain maps and zoning regulations to help clients understand their specific coverage needs. An initial inspection of the property’s foundation, drainage systems, and basement vulnerabilities is typically scheduled to determine appropriate coverage limits.
Farmers Insurance - Mary Ann O'Brien assists clients in Clifton Park and surrounding areas with general property insurance needs, then extends coverage to address flood risks specifically. This local agency helps property owners navigate flood hazards particular to the region, evaluating policies that can protect against water damage from storms or rising waters. Commercial clients are served as well, including offices, warehouses, and establishments in the food service industry.
Thomas Rupert, operating as a State Farm Insurance Agent in Clifton Park, NY, provides residential flood insurance services designed to help protect homes from water damage. Commercial flood coverage is also available, and the agency serves the broader Clifton Park area. Their work focuses on assessing individual property risks and guiding clients through the necessary policy options. Customers often return for annual policy reviews or after significant changes to their property between regular visits.
What Does a a Flood Insurance Agent in Clifton Park Cost?
Flood insurance premiums in New York average between $700 and $2,000 per year for NFIP policies, but costs vary by flood zone, building elevation, and coverage amount. Private flood insurance may cost more or less depending on risk. This is general information and not insurance advice.
About flood insurance agents in Clifton Park
Flood insurance agents in Clifton Park, New York help property owners secure coverage through the National Flood Insurance Program or private insurers. New York law requires flood insurance disclosure for properties in high-risk zones. Agents can explain how local flood maps affect your premium and coverage needs.
Frequently Asked Questions
Do I need flood insurance in Clifton Park New York?
If your property is in a FEMA-designated Special Flood Hazard Area, your mortgage lender will likely require flood insurance. Even outside high-risk zones, flooding from heavy rain or snowmelt can occur. An agent can help you assess your risk.
How do I choose a flood insurance agent in Clifton Park?
Look for an agent licensed in New York who is familiar with local flood zones and elevation certificates. Ask about their experience with NFIP policies and private flood insurance options. Compare quotes from multiple agents to find suitable coverage.
What does flood insurance cover in New York?
Standard flood insurance covers building structure and contents up to policy limits. It does not cover basement improvements or personal property in basements. New York law requires clear disclosure of exclusions in your policy.
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