Homeowners ins. and flood zone

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Pariah

Shirley, NY

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#1
Sep 29, 2013
 
I'm in the process of purchasing homeowners insurance and some companies won't service this area or the rates are very high for those that will. Geico quoted me a price of 3800 per year. I was thinking of purchasing government flood insurance and would like to know what the Mastic Beach flood zone is which will help in determining a policy. Can any MB resident recommend an insurance company that doesn't charge high rates?
OMG

Moriches, NY

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#2
Sep 29, 2013
 
Good Luck! My Flood insurance went up over 200 from last year.They now want 1200 for 125,000 coverage with a 5000 deductible. Oh and that is just for the house not the contents. Debating whether to renew it.
Brady

East Moriches, NY

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#3
Sep 29, 2013
 

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Pariah wrote:
I'm in the process of purchasing homeowners insurance and some companies won't service this area or the rates are very high for those that will. Geico quoted me a price of 3800 per year. I was thinking of purchasing government flood insurance and would like to know what the Mastic Beach flood zone is which will help in determining a policy. Can any MB resident recommend an insurance company that doesn't charge high rates?
You will need a "flood elevation certificate" which can be obtained from licensed surveyor. If your house is not high enough, good luck getting any coverage.

Since: Apr 09

Manorville, NY

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#4
Sep 29, 2013
 
I pay $480 per year for FEMA flood Ins. through State Farm. Never needed any certificates.
Brady

Shirley, NY

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#5
Sep 30, 2013
 

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Beach Man wrote:
I pay $480 per year for FEMA flood Ins. through State Farm. Never needed any certificates.
I guess I live in a higher flood risk area, I did need elevation certificate to secure my policy.

Since: Apr 09

Manorville, NY

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#6
Sep 30, 2013
 
Brady wrote:
<quoted text>I guess I live in a higher flood risk area, I did need elevation certificate to secure my policy.
Ok. I am just outside of the flood zone. Not by much though.
Pariah

Shirley, NY

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#7
Sep 30, 2013
 
Beach Man wrote:
I pay $480 per year for FEMA flood Ins. through State Farm. Never needed any certificates.
State Farm wanted nothing to do with me when I gave them the 11951 zip code.
Brady

Mastic Beach, NY

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#8
Sep 30, 2013
 
Pariah wrote:
<quoted text>
State Farm wanted nothing to do with me when I gave them the 11951 zip code.
They dropped me after 15 years of not one single claim. Heard they are starting to write in our area, and so is Allstate.
OMG

Moriches, NY

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#9
Sep 30, 2013
 
Pariah wrote:
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State Farm wanted nothing to do with me when I gave them the 11951 zip code.
Don't bother calling Hartford either. They stopped writing policies for 11951 about 5 years ago.
confused

Mastic Beach, NY

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#10
Oct 1, 2013
 

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i am also disgusted with insurance companies. if you paid into your flood insurance for the last 15 - 20 years and finally tried to collect on it with Sandy, you were given the run around and since you had flood insurance you were not eligible for FEMA help. i would have been better off to have no flood insurance at all.

Since: Apr 09

Manorville, NY

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#11
Oct 1, 2013
 
Brady wrote:
<quoted text>They dropped me after 15 years of not one single claim. Heard they are starting to write in our area, and so is Allstate.
Allstate did the same to me. They said they were trying to get off Long Island. So I kept my car Ins. them until recently. Then they begged me to stay. Not likely.

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