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Request a free flood insurance quote from Benco Brokers. Primary NFIP and private flood insurance solutions for homes and businesses across NY, NJ & CT. Response in 72 business hours.
Rising water levels, severe coastal storms, tropical depressions, and sudden torrential rainfall pose a persistent threat to properties across New York, New Jersey, and Connecticut. Many homeowners and commercial business owners operate under a dangerous misconception—assuming their standard homeowners, condo, or commercial property policies cover flood damage. In reality, standard property insurance policies explicitly exclude damage caused by rising groundwater, storm surges, surface runoff, or coastal tidal overflow. At Benco Brokers, located at 20 Woods Bridge Road in Katonah, NY, our independent advisors navigate both the National Flood Insurance Program (NFIP) and premier private flood insurance markets—including Travelers, Safeco Insurance, and Chubb—to build comprehensive flood defense strategies that protect your physical structures, personal contents, and balance sheet.
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Complete our simple quote form below to get started. Once submitted, our flood risk specialists analyze your property’s elevation profile, FEMA flood zone designation, foundation construction type, and desired coverage limits to engineer a customized proposal. You will receive your personalized flood insurance quote within 72 business hours.
Primary Structural Replacement Coverage: Protects your building's foundation, structural framing, utility systems, HVAC equipment, and electrical grids against rising water inundation up to full replacement limits.
Personal Belongings & Commercial Contents Defense: Full replacement cost or actual cash value protection for personal furniture, appliances, electronics, inventory, machinery, and finished interior contents.
Private Flood Market Alternatives: Access specialized private flood markets offering broader coverage terms, shorter waiting periods, higher limit caps beyond standard NFIP limits ($250k residential / $500k commercial), and loss-of-use living expense coverage.
Excess Flood Coverage for High-Value Assets: For luxury residential estates and commercial properties exceeding standard limits, we layer excess flood policies to provide multi-million dollar structural protection.
Lender Compliance & Policy Coordination: Ensure full compliance with mortgage lender mandates and seamlessly coordinate your flood coverage alongside your primary Homeowners Insurance or Commercial Business Insurance.
Complete the form above to receive your customized flood quote, call us directly at 914-530-3877, email info@bencobrokers.com, or Book An Online Video or Phone Call with an advisor today.
