Insurance Products
Flood Insurance
Standard homeowners policies don't cover flood damage. Whether you're in a high-risk flood zone or a low-risk area, dedicated flood insurance is essential protection.
About This Coverage
Flooding is one of the most common and costly natural disasters in the United States — and it's not covered by standard homeowners insurance. DiTaranto Insurance Services helps homeowners and business owners secure flood coverage through both the National Flood Insurance Program (NFIP) and private market carriers. We assess your flood zone designation and help you understand your true risk so you can make an informed decision.
What's Typically Covered
- Building coverage for the structure of your home or business
- Contents coverage for furniture, appliances, and personal belongings
- NFIP policies for properties in FEMA-designated flood zones
- Private flood insurance with broader coverage and higher limits
- Coverage for finished basements and below-grade areas
- Loss of use and additional living expense options (private market)
- Flood coverage for condos, co-ops, and rental properties
Long Island and coastal New York communities face real flood risk — especially after major storms. DiTaranto Insurance Services helps you navigate FEMA flood maps, understand your zone designation, and choose between NFIP and private flood options to get the right protection at the right price.
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