Couch in the living room surrounded by water

Flood Insurance: Is it Worth the Extra Cost?

Did you know? An inch of water can cause thousands of dollars of damage and most homeowners insurance policies don’t cover flood damage. Floods have become more frequent in the last several years and April showers have already begun in New England. If you’re considering adding flood coverage to your policy, here are a few facts to keep in mind:

Just like any insurance policy, flood insurance protects individuals from potential financial devastation and is the only guaranteed way to protect against flood damage costs. 

Dayton Ritz + Osborne Insurance is here to help you keep your home in the best possible condition. Procuring flood insurance now could save you thousands in the long run. For more information on our home insurance policies and coverage, call us at 631-324-0420.


The above description provides a brief overview of the term and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy or full details about coverage. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.