Call Us Today:

Worcester: 508.756.4300

Uxbridge: 508.278.5577

Protect Yourself With A Flood Policy from Harr & Associates

Since standard homeowners insurance doesn't cover flooding, it's important to have protection from the floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the U.S.

In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding.

Building Versus Contents Coverage

Flood insurance protects two types of insurable property: building and contents. The first covers your building, the latter covers your possessions; neither covers the land they occupy.

Building coverage includes:

  • The insured building and its foundation
  • The electrical and plumbing system
  • Central air conditioning equipment, furnaces, and water heaters
  • Refrigerators, cooking stoves, and built-in appliances such as dishwashers
  • Permanently installed carpeting over unfinished flooring

Contents coverage includes:

  • Clothing, furniture, and electronic equipment
  • Curtains
  • Portable and window air conditioners
  • Portable microwaves and dishwashers
  • Carpeting that is not already included in property coverage
  • Clothing washers and dryers

The two most common reimbursement methods for flood claims are : Replacement Cost Value (RCV) and Actual Cash Value (ACV). The RCV is the cost to replace damaged property. It is reimbursable to owners of single-family, primary residences insured to within 80% of the buildings replacement cost.

All other buildings and personal property (i.e. contents) are valued at ACV. The ACV is the RCV at the time of loss minus physical depreciation. Personal property is always valued using the ACV.

Our Locations

A & P Insurance Agency Inc - Worcester

273 Southwest Cutoff
Worcester, MA 01604
Main office: 508-756-4300
Fax: 508-756-0026

Office Hours:

Mon: 8:30AM - 4:30PM
Tues: 8:30AM - 4:30PM
Wed: 8:30AM - 4:30PM
Thurs: 8:30AM - 4:30PM
Fri: 8:30AM - 3:00PM
Sat: Closed
Sun: Closed

A & P Insurance Agency Inc - Uxbridge

107 South Main Street
Uxbridge, MA 01569
Main office: 508-278-5577
Fax: 508-839-9500

Office Hours:

Mon: 8:30AM - 4:30PM
Tues: 8:30AM - 4:30PM
Wed: 8:30AM - 4:30PM
Thurs: 8:30AM - 4:30PM
Fri: 8:30AM - 4:30PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
- Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
- Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
- Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
- Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
- Susan T.