The top-rated flood insurance agent in Rome, New York is Stephanie Utter - State Farm Insurance Agent, rated 4.9 stars across 171 reviews. Other highly rated options include Freeway Insurance, Michael Collea - State Farm Insurance Agent, Moore Insurance Group. This directory lists 15 flood insurance agents serving Rome.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Stephanie Utter - State Farm Insurance Agent | 8060 Turin Rd | (315) 339-3300 |
| 2 | Freeway Insurance | 211 E Dominick St | (315) 444-3298 |
| 3 | Michael Collea - State Farm Insurance Agent | 146 Erie Blvd E | (315) 371-4225 |
| 4 | Moore Insurance Group | 1002 Black River Blvd | (315) 371-4288 |
| 5 | Steve Jarvis - State Farm Insurance Agent | 834 Black River Blvd | (315) 336-5595 |
| 6 | Joseph Zullo: Allstate Insurance | 241 E Dominick St | (315) 339-1134 |
| 7 | Alan I. Spindler: Allstate Insurance | 813 Black River Blvd N | (315) 336-4040 |
| 8 | Better Fund Insurance | 255 Hill Rd | (516) 893-4317 |
| 9 | Dimaggio Insurance Agency | 200 E Garden St | (315) 336-8875 |
| 10 | Michael Garcia: Allstate Insurance | 706 Erie Blvd W | (315) 337-6666 |
Stephanie Utter - State Farm Insurance Agent serves the Rome, New York area and surrounding communities as a flood insurance agent. The agency helps property owners and renters secure flood coverage, often required for homes in designated flood zones. Knowledge of local flood risks enables the office to guide clients through policy options. This agency handles flood insurance applications and claims assistance for residential and commercial properties.
Spring rains and snowmelt in Rome, New York, often cause basement flooding and driveway washouts in low-lying neighborhoods near the Mohawk River. Freeway Insurance assists local homeowners and business owners by providing standard federal flood insurance policies and coverage for higher-risk zones outside mapped areas. They examine current flood-zone maps and discuss how a change in ground elevation on a customer’s property affects their premium. The process concludes with a property inspection and an initial assessment of the building’s lowest-floor elevation.
Michael Collea - State Farm Insurance Agent in Rome, NY provides professional flood insurance guidance and policy management for local property owners. Coverage options are explained clearly, and ongoing service includes assistance with claims and policy adjustments. Regular account reviews ensure coverage remains appropriate as conditions change. Suitable plans are arranged for single-family homes, apartment buildings, retail spaces, and restaurants.
Moore Insurance Group serves Rome, New York, and the surrounding Mohawk Valley communities. As a flood insurance agent, it handles federal National Flood Insurance Program policies and private market options for residential and commercial properties in designated flood zones. The company assists property owners in assessing their specific flood risk and navigating the often complex insurance requirements for local areas prone to seasonal flooding. To handle a typical job, it begins by thoroughly reviewing a property’s elevation certificate and flood zone designation to provide accurate coverage options.
Homeowners, businesses, and property managers in Rome, NY turn to Steve Jarvis - State Farm Insurance Agent for flood insurance guidance. This agency helps clients understand flood coverage options that protect against seasonal flooding common in this region. Policies through this agent address risks from heavy storms and spring thaws, securing property investments. The office also assists those in the greater Mohawk Valley area, including nearby communities like Utica.
Joseph Zullo: Allstate Insurance, serving Rome, NY, helps property owners distinguish between a one-time flood insurance quote aimed at immediate purchase and an ongoing policy that renews annually. The agency provides coverage through the National Flood Insurance Program, addressing risks from rising water that standard homeowners policies exclude. Service handles individual needs for those purchasing a home in a floodplain or seeking continuous protection. Assistance runs on both a scheduled and as-needed basis for policy reviews and claims questions.
Alan I. Spindler: Allstate Insurance offers specialized services through flood insurance policies, protecting properties with tailored coverage. The agency serves customers across Rome, NY, providing general insurance assistance as needed. It addresses the financial aftermath of heavy rainfall and snowmelt common in the region. These plans help residents safeguard homes against water damage from seasonal storms or rapid spring thaws.
Flood season in central New York often catches residents off guard when heavy rains or snowmelt overwhelm local waterways, creating sudden damage in basements and main living areas. Better Fund Insurance in Rome, NY provides flood insurance policies tailored to the varying risk levels found across the Mohawk Valley region. Their agency works with property owners to explain coverage limits required against groundwater flooding. To start the process, they arrange a thorough inspection of the building’s foundation and drainage systems.
Dimaggio Insurance Agency in Rome, NY helps homeowners in the area secure flood insurance for their residential properties. The agency also assists local business owners with commercial flood coverage options. Service is tailored to the specific risks in the region. After an initial policy is placed, clients can easily return for routine reviews or policy updates between regular seasonal visits.
Michael Garcia: Allstate Insurance provides property protection services to clients in the Rome, New York, area alongside its general personal and commercial policies. It offers dedicated flood insurance coverage to help safeguard homes from water damage, an essential consideration given the region’s potential for severe weather and seasonal flooding. The agency can assist local businesses, including offices, warehouses, and food service operations, in securing tailored policies to meet their specific risk management needs.
What Does a a Flood Insurance Agent in Rome Cost?
The average annual NFIP premium in New York ranges from about $700 for low-risk properties to over $2,500 for high-risk homes in Rome. Private flood insurance may cost more or less depending on the property and coverage level. Costs vary by case based on elevation, flood zone, and building characteristics. This is general information, not insurance advice.
About flood insurance agents in Rome
Flood insurance agents in Rome, New York help property owners secure coverage through the National Flood Insurance Program (NFIP) or private insurers. Rome sits near the Mohawk River and several creeks, making flood risk a concern for many homes and businesses. New York state law requires lenders to mandate flood insurance for properties in Special Flood Hazard Areas (SFHAs) designated by FEMA.
Frequently Asked Questions
Do I need flood insurance if I live outside a flood zone in Rome?
Even if you are outside a high-risk zone, your standard homeowners policy does not cover flood damage. An agent can help you assess your risk and obtain a low-cost Preferred Risk Policy through the NFIP.
What is the waiting period for flood insurance in New York?
NFIP policies typically have a 30-day waiting period before coverage begins. Exceptions exist for new loans or map amendments. An agent can explain these rules and help you plan ahead.
How does New York regulate flood insurance agents?
Flood insurance agents in New York must hold a valid property and casualty insurance license issued by the New York State Department of Financial Services. They must follow state disclosure rules and NFIP guidelines.
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