The top-rated flood insurance agent in Malden, Massachusetts is Paul T. Murphy Insurance, rated 4.8 stars across 220 reviews. Other highly rated options include Sharlene Wulleman: Allstate Insurance, Derek Witham Insurance Agency, Inc., Ken Hodas Insurance. This directory lists 15 flood insurance agents serving Malden.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Paul T. Murphy Insurance | 628 Broadway | (781) 321-9700 |
| 2 | Sharlene Wulleman: Allstate Insurance | 146 Commercial St | (781) 605-2629 |
| 3 | Derek Witham Insurance Agency, Inc. | 269 Broadway | (781) 322-2886 |
| 4 | Ken Hodas Insurance | 269 Broadway | (781) 868-4243 |
| 5 | Avanti Insurance Agency, Inc. | 17 Charles St | (781) 324-6301 |
| 6 | MANSOUR INSURANCE | 380 Pleasant St | (978) 278-5339 |
| 7 | Prescott & Son Insurance | 963 Eastern Ave | (781) 322-2350 |
| 8 | J. Mallon Insurance, LLC | 1 Centre St Ste 3B | (781) 321-2233 |
| 9 | Supino Insurance Agency, Inc. | 1012 Eastern Ave | (781) 322-2800 |
| 10 | Lister Insurance Agency Inc. | 963 Eastern Ave | (781) 393-9330 |
Paul T. Murphy Insurance serves the Malden, Massachusetts area as a local flood insurance agent. The agency assists property owners in navigating National Flood Insurance Program requirements and private market options. Understanding Malden’s proximity to waterways and its flood zone designations, the firm helps clients assess coverage levels for buildings and personal contents. It handles applications for preferred risk policies for lower-risk properties. The agency also processes map amendments and elevation certificate reviews to tailor individual flood protection plans in this region.
Sharlene Wulleman: Allstate Insurance serves Malden, Massachusetts, and the surrounding Middlesex County area as a Flood Insurance Agent. The agency helps residential and commercial property owners understand the specific flood risks for this New England region near Boston. It provides guidance on required policies for federally backed mortgages in designated high-risk zones. The company also assists clients with securing comprehensive coverage for storm surge and river overflow events common to the Malden area. It handles obtaining separate flood policies and coordinating them with existing homeowners policies.
Derek Witham Insurance Agency, Inc. offers flood insurance agent services for residential and commercial clients in the Malden, MA area. It provides guidance on policy options to help property owners manage flood risk. Ongoing support is available for policy adjustments and claims assistance throughout the coverage period. The agency serves a range of property types, including single-family homes, apartments, retail locations, and restaurants.
Ken Hodas Insurance serves homeowners, businesses, and property managers in Malden, Massachusetts, as a local flood insurance agent. It helps clients understand the flood risk specific to their properties and guides them in securing National Flood Insurance Program policies. The agency advises on coverage limits and filing claims when necessary. It also offers personalized service to clients in nearby communities such as Medford or the broader Mystic River Valley area, ensuring residents are protected against flood damage.
Avanti Insurance Agency, Inc. serves Malden, MA, and the surrounding communities in the greater Boston area, handling residential and commercial flood insurance policies. This agency helps property owners assess their risk from storm surges, heavy rainfall, and nearby waterways. It guides clients through the process of securing coverage that meets lender requirements and local regulations. When handling a typical job, it begins with a detailed review of the property’s flood zone designation and elevation to recommend an appropriate policy limit and deductible.
MANSOUR INSURANCE, located in Malden, MA, provides both one-time flood insurance consultations for immediate file review and ongoing annual policy management to ensure consistent coverage. Their offerings focus on helping residential and commercial clients secure coverage against flood damage in risk-prone areas. The agent works closely with standard National Flood Insurance Program options and private market solutions to tailor protection levels. This service is provided entirely on an as-needed basis, with appointments available as requested rather than following a fixed schedule.
Covering basement seepage, storm surge, and rising river waters, Prescott & Son Insurance acts as a flood insurance agent in the Malden, MA area. It provides access to federally backed flood policies for residential and commercial properties, addressing both primary residences and rental buildings. The firm also helps navigate the waiting periods and elevation certificates often required by lenders. During spring thaws or heavy autumn rains, it assists homeowners in securing coverage before weather-related ground saturation becomes a pressing risk.
With the Atlantic hurricane season raising the risk of storm surge and inland flooding, homeowners and businesses in Malden seek protection beyond standard policies. J. Mallon Insurance, LLC provides focused flood insurance agency services tailored to local properties and flood zone requirements. The team evaluates individual exposure to water damage from heavy rainfall or rising tides. An initial property inspection is arranged to assess elevation, foundation condition, and flood history before presenting coverage options.
Supino Insurance Agency, Inc. works with property owners in Malden, MA to secure essential property coverage. Its specialty is flood insurance, a critical protection in an area where standard policies exclude water damage from rising waters. Clients can rely on the agency to navigate flood maps and policy options. Beyond residential needs, the company can also help insure commercial sectors such as local offices, storage warehouses, and food service establishments in the community.
Lister Insurance Agency Inc. in Malden, MA provides residential flood insurance coverage for homeowners in the local area. The agency also offers commercial policies designed to protect local business properties from flood risk. Their service area includes Malden and surrounding communities across the region. Each policy highlights the importance of understanding flood zone requirements and coverage limits. Clients can rely on prompt follow-up assistance between regular policy reviews to adapt their protection as conditions evolve.
What Does a a Flood Insurance Agent in Malden Cost?
The average cost of a flood insurance policy in Massachusetts is around 700 to 1,200 dollars per year for a standard NFIP policy. Premiums depend on your property flood zone elevation and building characteristics. Private flood insurance may cost more or less depending on the risk. This is general information not insurance advice.
About flood insurance agents in Malden
Flood insurance agents in Malden help property owners secure coverage through the National Flood Insurance Program or private insurers. Massachusetts law does not require flood insurance for all homes but lenders often mandate it for properties in Special Flood Hazard Areas. Malden has several flood zones near the Malden River and Spot Pond so working with a local agent ensures you understand your specific risk and coverage options.
Frequently Asked Questions
Do I need flood insurance if I live outside a flood zone in Malden?
You are not legally required to buy flood insurance outside a designated flood zone. However over 20 percent of flood claims come from low to moderate risk areas. A flood insurance agent can help you evaluate your property risk even if you are not in a mapped flood zone.
How does Massachusetts flood insurance differ from standard homeowners insurance?
Standard homeowners insurance in Massachusetts does not cover flood damage. Flood insurance is a separate policy typically backed by the National Flood Insurance Program. Massachusetts participates in the NFIP so residents can buy federally backed flood insurance through licensed agents.
What is the waiting period for a new flood insurance policy in Malden?
There is usually a 30 day waiting period before a new NFIP flood insurance policy takes effect. This rule applies to most purchases including policies bought for properties in Malden. Some exceptions exist for loan closings so ask your agent about timing.
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