House surrounded by floodwater; brown water laps at hedge and house foundation.

Flood Insurance

Flood insurance

flood insurance POLICIES IN FARMINGTON, CT

Flood insurance protects your home and belongings from costly water damage not covered by standard homeowners policies.

What is flood insurance?

Flood insurance covers damage caused by rising waters, which is not typically included in standard homeowners insurance. This type of comprehensive protection helps pay for repairs to your home and replacement of belongings after a flooding event. It ensures you’re not left handling costly water damage on your own.

what does flood insurance cover?

Building coverage

Pays for repairs to your home’s foundation, walls, and systems after flood damage.

contents coverage

Protects personal belongings like furniture, clothing, and appliances.

Black circle with the number 3 in white.

cleanup costs

Helps cover expenses related to cleanup and debris removal after flooding.

Water damage: flooded floors, wood planks submerged indoors.

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do i need flood insurance if i don't live in a flood zone?

Yes, flooding can occur almost anywhere, even outside high-risk zones. In fact, many claims come from moderate- or low-risk areas. If heavy rain, snowmelt, or nearby water sources could affect your home, flood insurance is worth considering.

how much does flood insurance cost?

Costs depend on your property’s location, flood risk, and coverage limits. Homes in designated flood zones usually pay higher premiums, while those in lower-risk areas may qualify for reduced rates. Elevation certificates and mitigation measures can also affect pricing.

get your flood insurance quote today!

Flooding can happen anywhere, and our team is here to make sure you’re prepared. With over 25 years of experience, Wentworth Insurance offers expert guidance to protect your home or business from costly water damage. Don’t wait until the next storm — request a flood insurance quote and protect your property with confidence.

related services

We offer a variety of related services, including auto, homeowners, and umbrella insurance, to keep you protected in every aspect of life. If you don’t see the coverage you need listed, give us a call—we can help with virtually any type of insurance.