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Stay Protected from the Unexpected

Flood Insurance for East Boston Homeowners

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Coverage That Fills the Gaps in Your Policy

Standard homeowners insurance doesn’t cover flood damage—and in East Boston, that’s a risk too big to ignore. At Spataro & Bellino Insurance, we offer flood insurance policies backed by the National Flood Insurance Program (NFIP) and private carriers, giving you the protection you need before the water rises.

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A man and a woman are sitting on the floor of a track.

Why You Need Flood Insurance

Because One Storm Can Change Everything

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Flooding is one of the most common—and most costly—natural disasters in New England. Whether it’s coastal surge or heavy rain, flood insurance protects your home’s structure and contents, helping you recover quickly and avoid devastating out-of-pocket costs.

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01

Building Coverage

Covers the structure of your home including foundation, HVAC systems, electrical, and plumbing.

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Contents Coverage

Protects personal belongings like furniture, electronics, appliances, and clothing damaged by flooding.

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Affordable Options for Every Zone

Whether you're in a high-risk zone or not, we offer flood coverage options to meet your risk level and budget.

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Don’t Wait for the Next Storm

Get Flood Insurance That Works for You

Flood risk is rising—but you don’t have to face it unprepared. Let’s find a policy that gives you peace of mind and full protection.

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  • Is flood damage covered under my homeowners policy?

    No—flood damage is not included in standard homeowners insurance. You’ll need a separate flood policy to be fully protected.

  • Do I need flood insurance if I’m not in a high-risk zone?

    Yes. In fact, over 20% of flood claims come from properties outside high-risk areas. It’s an affordable way to cover an unpredictable risk.

  • Can I get flood insurance if I’ve had previous flood damage?

    In most cases, yes. We’ll help you understand your eligibility and options, even if your home has flooded before.

  • What’s the difference between NFIP and private flood insurance?

    NFIP is federally backed with set limits, while private carriers may offer higher coverage limits and faster claims—we’ll help you compare both.