Elite Insurance, LLC
163 Washington St, Ste 5, Easton, MA 02356
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163 Washington St, Ste 5, Easton, MA 02356
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Easton residents.
Easton's river location creates unique insurance needs. Learn about flood coverage, historic home protection, and weather risks in this Lehigh Valley city.
Yes, you should seriously consider it. Talbot County data shows 34% of properties face flood risk, and flooding in Easton comes from multiple sources—not just proximity to the Tred Avon River. Heavy rainfall can overwhelm drainage systems throughout town, and storm surge from tropical systems can push water well inland. Properties outside high-risk zones can often get affordable flood insurance, making it worthwhile protection even if your lender doesn't require it.
It varies dramatically based on your flood zone and elevation. Properties in high-risk zones (A or V) can pay anywhere from $1,000 to $3,000 or more annually, while homes in low-risk zones might pay just a few hundred dollars per year. Your home's elevation relative to Base Flood Elevation is the biggest factor—homes built above BFE qualify for significantly lower rates. An Elevation Certificate can help document this and potentially reduce your premium.
A hurricane deductible is a separate, higher deductible that applies specifically to hurricane damage, typically calculated as a percentage of your dwelling coverage rather than a flat dollar amount. In Maryland's coastal areas, this is commonly 2% to 5%. On a $400,000 home, a 2% deductible means you pay the first $8,000 of hurricane damage out of pocket. Check your policy to see when this triggers—some apply it only to named hurricanes, others to any major windstorm.
Potentially, yes, but not always. Historic homes often require higher coverage limits because rebuilding with period-appropriate materials and craftsmanship costs more than standard construction. However, if your historic home is well-maintained with updated systems, you might actually qualify for competitive rates. The key is making sure you have adequate replacement cost coverage—underinsuring a historic property to save on premiums will cost you far more if you ever have a major claim.
Yes, many insurers offer discounts for improvements that reduce storm damage risk. Installing impact-resistant roofing, hurricane shutters, reinforcing your roof deck, or upgrading to wind-resistant garage doors can all qualify you for premium reductions. Document these improvements and ask your insurer specifically about available discounts—they won't always volunteer this information, but the savings can be substantial over time.
Get quotes from both. NFIP is the traditional option and works well for many properties, but private flood insurance has become increasingly competitive. Private insurers sometimes offer lower rates for favorable properties, higher coverage limits than NFIP's caps, or better terms for certain situations. Compare actual quotes side-by-side, looking at both premium cost and coverage details, to determine which gives you better value for your specific property.
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