Flood Insurance Coverage In Massachusetts

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Flood Insurance MA & New England Overview

Flood insurance in Massachusetts is available to homeowners, renters, condo owners/renters and commercial property owners/renters. Your existing homeowners or commercial property insurance policy will not cover you for flood damage. As the field of flood insurance expands, and local flood-hazard maps are continuously being rewritten, Phil Richard Insurance will be there to help you navigate the various state guidelines and bank requirements. Let us help you find the right flood insurance policy to protect your home, business and assets.

Key Facts About Flood Insurance in MA

  • Typically there is a 30-day waiting period from the date of purchase before your policy goes into effect. Check with us to find out the exceptions to this rule.

  • Flood insurance must be purchased through an insurance agent, such as Phil Richard Insurance. You may not purchase it directly from the federal government.

  • Homes and businesses with federally regulated or insured mortgages in high-risk flood areas are required to have flood insurance. Flood insurance is not required in moderate-to-low risk flood areas, but it is still available and strongly recommended.

Phil Richard Insurance provides sound advice on the risks you face and the coverage you need, depending on your location and the value of your home or business. Flood Insurance MA

Flood Insurance Service Area
Phil Richard Insurance, located in Danvers, MA, offers Flood Insurance services to homeowners, renters, condo owners/renters and commercial property owners/renters in the North Shore of Massachusetts including but not limited to Danvers, Peabody, Beverly, Salem, Newburyport, Ipswich, Rockport, Gloucester, Marblehead, Swampscott, Amesbury, Georgetown, Lynnfield, Middleton, Hamilton, Wenham, Greater Boston Area, and more. We also serve New Hampshire, Connecticut, and Maine.

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How Your Insurance Agent Can Help You 

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See what our clients have to say:

I Just wanted to tell you how much I enjoy working with Jackie Montes. She’s the best! She’s efficient, professional, and always on the ball. It’s a pleasure to deal with her!! She has helped me out tremendously with getting all our insurance requirements for the Compliance Depot (nightmare!) and I can always count on her to get my COI out in a timely manner. I never have to worry about anything when I deal with her.

Excellent staff member!!

Tina W. April 19, 2017

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At Phil Richard Insurance, we don’t believe in wasted time or money. If you’re here, you’re looking for savings, advice, and options. We provide all three. Please fill out the form below and someone will be in touch with you shortly.

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27 Garden Street

Unit 1B
Danvers, MA 01923




Office Hours

Monday: 9am – 4:30pm

Tuesday: 9am – 4:30pm

Wednesday: 9am – 4:30pm

Thursday: 9am – 4:30pm

Friday: 9am – 4:30pm

Sat – Sun: Closed




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