Flood damage isn’t covered by most homeowners insurance policies. PRK Insurance Agency, Inc. helps you compare flood coverage options and protect your home with confidence.
No. Most homeowners and renters insurance policies do not cover flood damage. Flood insurance is a separate policy designed to protect your property from rising water.
Flood insurance is a smart option for homeowners, renters, and landlords, even outside high risk zones. Many flood claims come from moderate to low risk areas.
Flood insurance may help cover damage to the structure of your home and certain belongings, depending on the policy. Coverage varies based on limits and eligibility.
It can be required by your lender if your property is in a high risk flood zone. Even when it’s not required, many owners choose it for added peace of mind.
Many flood policies have a waiting period before coverage begins. Planning ahead is important, since coverage may not start immediately after purchase.
Pricing depends on factors like your location, flood zone, elevation, building type, coverage limits, and deductible. We help you compare options and choose the right fit.
Flood insurance can be confusing, and the details matter. Since 2004, PRK Insurance Agency, Inc. has helped New York clients understand their flood risk, compare coverage options, and choose protection that fits their property. Based in Melville, NY, our local team provides clear guidance and responsive support so you can feel confident you’re covered.
Find straightforward answers to the most common flood insurance questions, including what’s covered, who needs it, and how to choose the right protection in New York.
No. Flood damage is not covered by standard homeowners insurance. Flood insurance is a separate policy that protects against water related flood loss.
Many people choose flood insurance even outside high risk zones. Flooding can happen from heavy rain, storm surge, or drainage issues in moderate risk areas.
Flood insurance may be required if you have a mortgage and your home is in a high risk flood zone. Requirements depend on your lender and property location.
Flood insurance may cover damage to the structure of your home and certain belongings. Coverage depends on your policy type, limits, and eligibility.
It depends on your property value, risk, and whether you want building coverage, contents coverage, or both. We can help you choose the right limits.
Many flood policies have a waiting period before coverage starts. It’s best to set up coverage early instead of waiting until a storm is approaching.
Common factors include location, flood zone, elevation, building type, coverage limits, and deductible. Discounts may apply depending on your property.
Yes. Renters can purchase flood insurance to protect personal belongings, even if the building itself is covered by a separate policy.
Usually no. Flood insurance covers rising water from outside. Burst pipes and plumbing issues may be covered under homeowners insurance depending on the situation.
Yes. PRK Insurance Agency, Inc. helps New York clients compare flood coverage options and choose the right protection with clear guidance and fast support.
