The top-rated flood insurance agent in Chelsea, Massachusetts is PRT Insurance Agency Inc - formerly Gorman Insurance of Chelsea, rated 4.8 stars across 355 reviews. Other highly rated options include Bello Insurance Agency, Metro Boston Insurance Agency, JB Insurance Agency, Inc.. This directory lists 10 flood insurance agents serving Chelsea.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | PRT Insurance Agency Inc - formerly Gorman Insurance of Chelsea | 186 Broadway | (617) 884-2700 |
| 2 | Bello Insurance Agency | 25A Williams St | (617) 370-5855 |
| 3 | Metro Boston Insurance Agency | 300 Eastern Ave | (617) 884-5480 |
| 4 | JB Insurance Agency, Inc. | 18 Washington Ave | (617) 884-8282 |
| 5 | Edward A Mc Carthy Insurance | 90 Everett Ave 1st Floor | (617) 889-0309 |
| 6 | Stable Insurance LLC | 908 Broadway | (617) 586-2036 |
| 7 | Christopher Kokoras Insurance Agency, Inc | 688 Broadway | (617) 738-8143 |
| 8 | Louis J Brudnick & Sons | 100 Everett Ave # 1 | (617) 889-1100 |
| 9 | Plus Insurance Inc | 100 Everett Ave # 1 | (617) 889-4101 |
| 10 | Best Flood Rates | 300 Eastern Ave | (833) 544-6033 |
PRT Insurance Agency Inc, formerly Gorman Insurance of Chelsea, serves the Greater Boston and Chelsea area as a dedicated flood insurance agent. It helps homeowners, renters, and business owners secure coverage against flood damage from storms and rising waters. The agency assists clients in navigating the National Flood Insurance Program and evaluating private market options tailored to Zone A and coastal Zone V properties. It specifically handles commercial flood policies and residential elevation certificate reviews for Chelsea property owners.
Bello Insurance Agency in Chelsea, MA offers flood insurance services to protect properties from water damage and rising waters. Standard policies cover building structures and contents, with options to address specific risk factors in flood-prone areas. The agency assists clients in reviewing coverage levels to ensure adequate protection for their assets. Services include help with policy adjustments following changes in property value or local flood maps. The agency serves single-family homes, apartments, retail spaces, and restaurants.
Metro Boston Insurance Agency in Chelsea, MA serves homeowners, businesses, and property managers seeking flood insurance coverage. The agency assists clients in understanding flood zone requirements and securing policies that meet their specific needs. Given the area's proximity to waterways, protecting properties from flood damage is a common priority for local residents and commercial operators. The agency also regularly works with customers in surrounding communities such as Revere, Everett, and the East Boston neighborhood across the Mystic River.
JB Insurance Agency, Inc. serves Chelsea, Massachusetts, and nearby communities, specializing in flood insurance coverage for homeowners, renters, and commercial property owners. It helps clients understand the unique flood risks of their location and guides them in selecting appropriate policies to protect their structures and belongings. The company begins each assignment by reviewing a property’s specific flood zone designation and recently updated local hazard maps, then explains coverage options and assists with the application process to ensure accurate protection.
Edward A Mc Carthy Insurance in Chelsea, MA distinguishes between one-time flood insurance policies for single, high-risk events and recurring coverage options that renew annually for ongoing property protection. Standard flood insurance typically covers structural damage caused by external water intrusion and rising floodwaters, though the company can advise on specific policy details. Each client’s needs are evaluated individually to determine appropriate coverage, with services run on a one-time or as-needed basis depending on the client’s request.
Stable Insurance LLC in Chelsea, MA, specializes in providing flood insurance policies tailored to property owners. The company assists clients in navigating coverage options for both residential and commercial buildings. Its agents help evaluate flood risk and explain policy terms. A frequent concern residents face is ensuring adequate protection during the spring thaw and heavy rainfall seasons, when local flood risks increase significantly.
Christopher Kokoras Insurance Agency, Inc provides residential flood insurance coverage to homeowners in Chelsea, Massachusetts, ensuring properties are protected against potential water damage from storms or rising tides. The agency also offers commercial flood insurance policies for local businesses that need to safeguard their assets and operations. Service encompasses Chelsea and the surrounding Greater Boston communities. After a policy is issued, clients can rely on the agency for follow-up assistance between regular visits, such as updating coverage amounts when property values change or addressing new flood zone designations.
Heavy rainfall can quickly overwhelm ground saturation near Chelsea, MA, making robust flood insurance coverage an essential consideration. Louis J Brudnick & Sons addresses this need by helping property owners review their policy options and navigate risk assessments for local flood zones. The company assists clients in understanding available coverage tailored to the area's specific water-related exposure. A thorough property inspection is often the first step toward securing appropriate protection.
Located in Chelsea, Massachusetts, Plus Insurance Inc works to assist property owners with their general insurance needs, specializing in flood insurance agent services for structures in designated risk zones. The agency helps clients navigate coverage options tied to local floodplain regulations, offering policies that address damage from rising water events. Its client base includes commercial operations such as offices, warehouses, and food service establishments requiring protection against flood-related disruptions.
Best Flood Rates serves Chelsea, Massachusetts homeowners by providing residential flood insurance policies that protect against rising water and storm surge damage. Commercial property owners in the greater Chelsea area can also obtain tailored coverage plans to safeguard their business assets. The agency works with clients throughout local flood zones, helping them navigate the application process and select appropriate coverage limits. After a policy is issued, the team follows up before each annual renewal period, ensuring the client’s needs are reassessed and any necessary adjustments are made.
What Does a a Flood Insurance Agent in Chelsea Cost?
Typical flood insurance costs in Massachusetts range from 700 to 2000 per year for an NFIP policy depending on flood zone building value and deductible. Private market policies may cost more or less. Actual premiums are set by the insurer based on your specific property. This is general information not insurance advice.
About flood insurance agents in Chelsea
Flood insurance agents in Chelsea Massachusetts help property owners secure coverage against flood damage. Chelsea is located in a coastal area with flood zones designated by FEMA. Massachusetts law requires lenders to mandate flood insurance for properties in high-risk zones.
Frequently Asked Questions
Do I need flood insurance in Chelsea Massachusetts?
If your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage you are required to have flood insurance. Even if not required many homeowners choose coverage because Chelsea is near the coast and rivers.
What does a flood insurance agent do in Chelsea?
A flood insurance agent helps you assess your flood risk find a policy through the National Flood Insurance Program or a private insurer and complete the application. They also explain coverage limits deductibles and waiting periods.
How long does it take to get flood insurance in Chelsea?
Standard NFIP policies have a 30-day waiting period before coverage begins. Exceptions exist for closings on a home purchase or for map changes. An agent can help you plan ahead.
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