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maymama
my little loves
Member since 8/08 18453 total posts
Name:
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south shore nassau - flood insurance ANOTHER ?
what are you paying? we are shopping around and I cannot believe some of these quotes 
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ok so this is insane. how much should home owners be on a home in the AE flood zone? We are being quoted 4-5k? So we are talking 6-7K for insurance on this house annually?
we might have to walk 
Message edited 3/2/2011 12:21:48 PM.
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Posted 3/1/11 1:46 PM  |
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Shorty
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Member since 5/05 30390 total posts
Name:
really
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Re: south shore nassau - flood insurance
flood insurance will be the same no matter who quotes you. It's all through FEMA! 
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| Posted 3/1/11 2:07 PM |
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maymama
my little loves
Member since 8/08 18453 total posts
Name:
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Re: south shore nassau - flood insurance
Posted by Shorty
flood insurance will be the same no matter who quotes you. It's all through FEMA!
hmm, we got different numbers from two companies  something isnt right. thanks, i will look further into it 
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| Posted 3/1/11 2:08 PM |
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Re: south shore nassau - flood insurance
We are so not even close to the water, but in a FEMA-determined "flood-zone"   and we're upwards of 2K. This is mandated.  When we first bought in 2007, flood insurance was optional and we paid $300/year.
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| Posted 3/1/11 2:13 PM |
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b2b777
LIF Adult
Member since 9/09 4474 total posts
Name:
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Re: south shore nassau - flood insurance
this is bc FEMA needs the $$$ ...so unbelieveably unfair
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| Posted 3/1/11 3:09 PM |
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KittyGags
LIF Adult
Member since 7/09 5614 total posts
Name:
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Re: south shore nassau - flood insurance
I'm north of sunrise so I'm not in the FEMA flood zone but you can try Liberty Mutual in Wantagh. I use Ken and have been very happy with him.
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| Posted 3/1/11 6:45 PM |
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pickles16
Real Estate Professional
Member since 11/07 17227 total posts
Name:
Jen
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Re: south shore nassau - flood insurance
Our new house is in the worst flood zone possible...we got our old owners policy grandfathered to us which was NOTHING..so we're hoping it'll stick for a while
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| Posted 3/1/11 8:19 PM |
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maymama
my little loves
Member since 8/08 18453 total posts
Name:
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Re: south shore nassau - flood insurance
Posted by pickles16
Our new house is in the worst flood zone possible...we got our old owners policy grandfathered to us which was NOTHING..so we're hoping it'll stick for a while
same flood zone (i think my husband said A E?)
ugh
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| Posted 3/1/11 8:48 PM |
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CathyB
Member since 5/05 19403 total posts
Name:
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Re: south shore nassau - flood insurance
Posted by KittyGags
I'm north of sunrise so I'm not in the FEMA flood zone but you can try Liberty Mutual in Wantagh. I use Ken and have been very happy with him.
We use the same office, but Catherine Stillwagon is our agent. We're south of Merrick Rd so in the FEMA flood zone.
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| Posted 3/1/11 8:49 PM |
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pickles16
Real Estate Professional
Member since 11/07 17227 total posts
Name:
Jen
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Re: south shore nassau - flood insurance
Posted by maymama
Posted by pickles16
Our new house is in the worst flood zone possible...we got our old owners policy grandfathered to us which was NOTHING..so we're hoping it'll stick for a while
same flood zone (i think my husband said A E?)
ugh
Yup thats it!!! It's insane!!!!!!
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| Posted 3/2/11 7:18 AM |
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TNT1005
LIF Adult
Member since 3/10 1110 total posts
Name:
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Re: south shore nassau - flood insurance
Every home is in a flood zone. But some homes are in a low risk zone (zone X) wile others are in high zones (Zone AE)
The pp was acurate when they said all compnies will come in w/ the same quote, b.c it is a gov't regulated program. If u are gtting different quotes it could be that an agent is using differt elevation's. You may want to get a survey done of your home ($450) but this may benefit you if your home is elevated or ou have a crawlspace w/ vents you will get a cheaper rate. HTH
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| Posted 3/2/11 9:24 AM |
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maymama
my little loves
Member since 8/08 18453 total posts
Name:
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Re: south shore nassau - flood insurance ANOTHER ?
bump
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| Posted 3/2/11 12:22 PM |
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TNT1005
LIF Adult
Member since 3/10 1110 total posts
Name:
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Re: south shore nassau - flood insurance ANOTHER ?
Home Ins and Flood Ins are two different policies. They are not combined. Is this home less then a mile a bidy of water. B/C if it is, that is why you are getting such hugh qoutes. Homes on LI that are near the water have a large premium. Why dont you ak the prior owner's where they have their policy & get a quote from them, AND call your auto agent and ask them for a combined Home & Auto Quote.
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| Posted 3/2/11 12:39 PM |
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maymama
my little loves
Member since 8/08 18453 total posts
Name:
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Re: south shore nassau - flood insurance ANOTHER ?
two seperate combined to = that total
we are looking at 1800 flood and we have been quoted 4k by geico for home owners
liberty wouldnt even quote the home owners
all state wouldnt quote it either
yes, the house is south of merrick, less than 1 mile from the water.
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| Posted 3/2/11 12:52 PM |
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TNT1005
LIF Adult
Member since 3/10 1110 total posts
Name:
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Re: south shore nassau - flood insurance ANOTHER ?
Keep shopping, you are going to have to go with a coastal home policy, Try getting quote with Interboro through an agent, they have policies for home's under 1 mile. Good Luck
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| Posted 3/2/11 1:50 PM |
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mrsgafforio
LIF Adult
Member since 3/07 3929 total posts
Name:
Christine
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Re: south shore nassau - flood insurance ANOTHER ?
I would try a Broker who can get quotes through various providers
Joe Riccardella
The Insurance House
(516) 294-0990
Has been able to find good rates for a lot of friends/family.
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| Posted 3/2/11 2:07 PM |
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JDubs
different, not less
Member since 7/09 13160 total posts
Name:
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Re: south shore nassau - flood insurance ANOTHER ?
i agree with talking to a broker, our broker shopped around and got us the best quote, here is their website if you want to take a look:
http://www.bbcoverage.com/
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| Posted 3/2/11 2:31 PM |
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pickles16
Real Estate Professional
Member since 11/07 17227 total posts
Name:
Jen
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Re: south shore nassau - flood insurance ANOTHER ?
Posted by maymama
two seperate combined to = that total
we are looking at 1800 flood and we have been quoted 4k by geico for home owners
liberty wouldnt even quote the home owners
all state wouldnt quote it either
yes, the house is south of merrick, less than 1 mile from the water.
we;re south of merrick in merrick across the street from the water...look at merrimack for insurance they gave us the best I believe...State Farm also gave us the best flood but thats bc we were grandfathered into the old owners policy...ask the old owner what they're paying and have them call their agent and see if they can transfer the policy over to you!!!
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| Posted 3/2/11 3:06 PM |
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Re: south shore nassau - flood insurance ANOTHER ?
DH has State Farm for flood insurance - we live right next to a canal so the weird part is that when DH bought the house in 2004 - the house was NOT in a flood zone but since FEMA re-zoned all of our area (Oceanside/Baldwin Harbor/Freeport)- now we were required to get flood insurance.
Luckily DH was on the ball and got State Farm Flood Insurance last year at a ridiculously cheap rate (think we are paying maybe $500 for the whole YEAR ). If DH tried to get Flood Insurance now w/ SF, I think their quote would've doubled...
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| Posted 3/2/11 3:08 PM |
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OrganicMama
So in love with my little man!
Member since 6/08 5172 total posts
Name:
Mama
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Re: south shore nassau - flood insurance ANOTHER ?
Posted by maymama
two seperate combined to = that total
we are looking at 1800 flood and we have been quoted 4k by geico for home owners
liberty wouldnt even quote the home owners
all state wouldnt quote it either
yes, the house is south of merrick, less than 1 mile from the water.
K, when we bought our house in 2007 flood was $1800. It has since gone up to almost $2600.
Because we're in a flood zone, NO insurance company would insure us, so we had to go throu NY Property (I believe it's state-mandated). We pay less than 1K for our homeowners.
Are you buying in Massapequa?
ETA: we are less than 1/4 mile from the bay
Message edited 3/3/2011 12:00:48 AM.
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| Posted 3/2/11 11:59 PM |
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maymama
my little loves
Member since 8/08 18453 total posts
Name:
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Re: south shore nassau - flood insurance ANOTHER ?
Posted by OrganicMama
Posted by maymama
two seperate combined to = that total
we are looking at 1800 flood and we have been quoted 4k by geico for home owners
liberty wouldnt even quote the home owners
all state wouldnt quote it either
yes, the house is south of merrick, less than 1 mile from the water.
K, when we bought our house in 2007 flood was $1800. It has since gone up to almost $2600.
Because we're in a flood zone, NO insurance company would insure us, so we had to go throu NY Property (I believe it's state-mandated). We pay less than 1K for our homeowners.
Are you buying in Massapequa?
ETA: we are less than 1/4 mile from the bay
hey krissy, thanks we decided not to persue the house we just werent prepared to pay those prices. its propbably for the better
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| Posted 3/3/11 1:12 PM |
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dapnkap
Our 3 angels
Member since 7/07 4824 total posts
Name:
Karen
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Re: south shore nassau - flood insurance ANOTHER ?
We use State Farm on Merrick Road in Seaford. I think we pay less than $1,000 (I want to say $600 or $700). We are flood zone AE.
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| Posted 3/3/11 1:31 PM |
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Teri
my girls!
Member since 2/06 1491 total posts
Name:
Teri
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Re: south shore nassau - flood insurance ANOTHER ?
I'm confused - I was told that since this is from FEMA, all insurance cos should quote the same since it's the govt policy, not their own.
We are in the AE zone about 1/2 mile from the bay and very close to the canals. We pay $1400/annually through State Farm. Our neighbor pays $800/annually bc he's a bit higher and has a certificate of elevation.
You can try to get a surveyor in to see if the Certificate can help lower your payments.
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| Posted 3/3/11 8:01 PM |
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