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O'Donnell Agency LLC

416 Centennial Ave
Cranford, NJ 07016

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Insurance Blog

Who should buy flood insurance

In the United States floods are the most common natural disaster. Billions of dollars of damage are done every year. Flooding often accompanies other kinds of natural disasters such as tornados and hurricanes. Changing weather patterns has lead to increases in the number and severity of floods. Places that would never have had flooding are finding that they are no longer safe. O’Donnell Agency LLC in  New Jersey has been in business since 1888 and you can count on us to provide personalized service to all of our customers. 

The simple answer to who should buy flood insurance is just about everyone. No place is safe from the potential of a flood. Even one inch of water in your home can cause more than $20,000 n damage and that is a lot of money to come up with on your own. Even if you live outside of the high-risk flood area, about 40% of claims through NFIP were from homes in lower-risk areas. Participating in this program provides peace of mind that no matter what you will be able to rebuild. 

Flood insurance is sold by 60 national carriers. It is offered by the Federal Emergency Management Agency and managed by the National Flood Insurance Program. . You can choose any of the carriers and they will all charge the same amount for the policy so pick the one who you know provides good service. To purchase this insurance, however, you have to live in one of the 23,000 communities that participate in the National Flood Insurance Program. The insurance comes as two options, building and contents and you can buy one or both. 

When you are ready to discuss flood insurance, O’Donnell Agency LLC in New Jersey has an experienced team who can answer any questions that you have and provide a no-obligation quote. We look forward to hearing from you. 

Servicing States

  • New Jersey
  • New York
  • Pennsylvania
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  • Georgia
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