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Wethersfield, Connecticut

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While earthquake insurance can be added to a home insurance policy, flood insurance is an entirely separate policy. That is, home insurance policies do not cover flooding.

The National Flood Insurance Program defines a flood as: A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from:

  • Overflow of inland or tidal waters
  • Unusual and rapid accumulation or runoff of surface waters from any source
  • Mudflow, a river of liquid and flowing mud on the surfaces of normally dry land areas, as when earth is carried by a current of water
  • Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above

The National Flood Insurance Program (NFIP) was established by the federal government to help communities who “voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.”  Different types of flood insurance policies are available based on your property’s location in Connecticut and its flood history.

Standard Flood Insurance Policies

If you live in a community that participates in the NFIP, your building and its contents can be covered by a standard flood insurance policy. To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a standard flood insurance policy.

Preferred Risk Flood Insurance Policies

If your Connecticut home or business is in a low-or-moderate risk zone, your building may qualify for a low-cost preferred risk policy. While you are not required to purchase flood insurance in low-to-moderate risk areas, a preferred risk insurance policy will protect your home and its contents if you are affected by a small flood, or a larger flood that has extended into your low-risk area. In Connecticut, many flood insurance claims occur in low-to-moderate risk areas.

Earthquake Insurance

Unless you add an endorsement for an additional premium, earthquake insurance coverage is not generally provided under your home insurance policy. Coverage is available, however, if you would like to add this coverage to your Connecticut home insurance policy.

Don’t wait until it’s too late. Contact Olde Liberty Insurance today for a comprehensive insurance review and a no-obligation flood or earthquake insurance quote. We can get you the flood and earthquake protection you might need.

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We are committed to accurate quotes for insurance for residents throughout the state of Connecticut! Submit your information via this online form, and we will follow up, typically within a few business days.
  • Reports will be ordered to properly classify and rate your policy. These reports may include information about your claims and driving history, insurance score, and may include information about current and former members of your household. These reports provide information that may assist in determining your eligibility for insurance and the price you may be charged. Consumer reports may also be used for updates, renewals, or extensions of this insurance. We may also obtain and use a credit-based insurance score. We may use a third party in connection with the development of the insurance score. State privacy laws require that you are notified that personal information may be collected from sources other than yourself. This will include a loss history report showing your personal insurance claims history. Such information, as well as other information collected, may be disclosed in circumstances to third parties without authorization. A right to access and correction exists with respect to all personal information and a written notice will be furnished to you upon request.

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