The top-rated flood insurance agent in Portland, Maine is Lotfey Dennett Insurance Brokers, rated 5.0 stars across 234 reviews. Other highly rated options include Julie Francis - State Farm Insurance Agent, Plummer's Insurance Agency, Clark Insurance, a Marsh & McLennan Agency LLC company. This directory lists 13 flood insurance agents serving Portland.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Lotfey Dennett Insurance Brokers | 500 Washington Ave 3rd Floor | (207) 370-6773 |
| 2 | Julie Francis - State Farm Insurance Agent | 449 Forest Ave Suite 212 | (207) 761-1511 |
| 3 | Plummer's Insurance Agency | 1350 Washington Ave | (207) 797-8840 |
| 4 | Clark Insurance, a Marsh & McLennan Agency LLC company | 1945 Congress St Building A | (207) 774-6257 |
| 5 | Cross Insurance | 2331 Congress St | (207) 780-1677 |
| 6 | United Insurance | 470 Forest Ave | (207) 797-9400 |
| 7 | Highstreet Insurance formerly, Kane Insurance | 6 City Center ste 307 | (207) 358-7408 |
| 8 | Secure Harbor Insurance Co. | 95 Blueberry Rd | (207) 223-7604 |
| 9 | Caregiver Insurance Agency | 46 Free St | (207) 275-6761 |
| 10 | Fast Response Insurance Co. | 5 Deering Ave | (207) 337-9943 |
Lotfey Dennett Insurance Brokers serves the Portland, Maine metro area and surrounding communities as a dedicated flood insurance agency. The firm assists homeowners and business owners in obtaining coverage through the National Flood Insurance Program and private market options tailored to local flood zone requirements. Understanding the region’s exposure to coastal storms and inland flooding is central to the advice they provide. Their services include risk assessments, policy comparisons, and claims assistance for residential and commercial flood policies.
Julie Francis - State Farm Insurance Agent in Portland, ME, provides flood insurance coverage for properties exposed to water damage risks. The company offers personalized policy reviews to ensure each client understands their specific flood exposure and coverage options. Routine consultations help property owners maintain appropriate protection as local flood maps and regulations evolve. The agency services single-family homes, apartments, retail stores, and restaurants throughout the Portland area.
Plummer's Insurance Agency serves Portland, Maine, and the surrounding communities in Cumberland County, handling flood insurance coverage for residential and commercial properties. The agency helps property owners assess their flood risk based on local flood zone maps and elevation data. It works closely with clients to explain the nuances of National Flood Insurance Program policies and private market alternatives. For a typical job, the agency gathers building specifics and flood history to match a policy to the property, completing the application process with direct support throughout.
Clark Insurance, a Marsh & McLennan Agency LLC company, serves homeowners, businesses, and property managers in the Portland area seeking flood insurance. The agency helps clients navigate National Flood Insurance Program policies and private market options to protect against water damage from heavy rains and storm surges. Its agents provide guidance on coverage limits and flood zone requirements. The company also covers nearby communities in Cumberland County such as South Portland.
Cross Insurance in Portland, Maine offers flood insurance policies for residential and commercial properties. It also provides consultations to help clients understand the specific flood risks associated with their coastal or riverside locations. The agency assists with the application process for Federal Emergency Management Agency. National Flood Insurance Program coverage and connects property owners with private market options. It helps prepare homeowners before the spring thaw or a major storm, addressing the heightened flood concerns that come with seasonal weather changes.
United Insurance in Portland, ME, offers both one-time flood insurance policies for single properties and recurring service options for ongoing, long-term coverage needs. Their agency specializes in evaluating local flood zone risks and matching homeowners and businesses with appropriate protection. Policies can be customized to address specific water damage scenarios commonly encountered in New England coastal areas. Service runs on a one-time, scheduled, or as-needed basis depending on client policy renewal preferences and changes in FEMA flood map designations.
Serving Portland as Highstreet Insurance, formerly Kane Insurance, the agency specializes in flood insurance coverage to protect properties from water damage. It works with local homeowners and businesses to assess flood risks and secure appropriate policies through the National Flood Insurance Program. With Maine's coastal storms and seasonal flooding from heavy rains, the company helps clients prepare for events like storm surges or spring snowmelt that threaten财产安全.
Secure Harbor Insurance Co. in Portland, ME focuses on helping property owners understand their flood exposure and secure appropriate coverage. As a dedicated flood insurance agent, the company specializes in policies that address the specific risks of coastal and riverine flooding common to the region. Their services assist residential and commercial clients with navigating federal and private insurance programs. Beyond standard property protection, the firm can tailor policies for various business types, including offices, warehouses, and food service operations.
With Portland’s frequent Nor’easters and spring thaws posing flood risks, Caregiver Insurance Agency helps local property owners understand their coverage needs. The company assists clients in navigating the complexities of flood insurance policies for homes and businesses across the area. By offering personalized risk assessments, they aim to match property owners with appropriate protection plans from available federal and private options. An agent will schedule a thorough inspection of the property to evaluate its elevation and drainage concerns before recommending any policy.
Fast Response Insurance Co. in Portland, ME assists homeowners in securing flood insurance for residential properties. The agency also guides commercial clients through coverage options tailored to their business needs. Service extends across the Portland area and surrounding communities. Agents help clients understand policies and the local floodplain maps during the initial consultation. After a policy is in place, the company contacts clients before renewal periods to review possible coverage adjustments for the coming year.
What Does a a Flood Insurance Agent in Portland Cost?
Flood insurance costs in Maine vary widely based on flood zone property elevation and coverage amount. NFIP rates for a typical Portland home range from 700 to 2 000 per year for 250 000 in building coverage. Private flood policies may cost 500 to 1 500 per year for similar limits. High risk coastal properties can exceed 3 000 annually. This is general information not insurance advice.
About flood insurance agents in Portland
Flood insurance agents in Portland Maine help homeowners and businesses secure coverage through the National Flood Insurance Program and private markets. Maine law requires agents to be licensed by the state Bureau of Insurance. Portland sits on Casco Bay so many properties face moderate to high flood risk from storm surge and heavy rain.
Frequently Asked Questions
Do I need flood insurance if I live outside a flood zone in Portland Maine?
Even outside mapped high-risk zones flood damage is possible. Many lenders require coverage for properties in Special Flood Hazard Areas. For other areas flood insurance is optional but recommended for coastal properties near Portland.
What does a flood insurance agent in Portland do for me?
An agent helps you compare NFIP and private flood policies. They explain coverage limits waiting periods and exclusions. They also assist with filing claims and understanding Maine specific floodplain regulations.
How long does it take to get a flood insurance policy in Portland Maine?
NFIP policies have a 30 day waiting period before coverage starts. Private flood policies may have shorter waiting times. An agent can help you find the quickest option for your situation.
Flood Insurance Agents in Other Maine Cities
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