At Gilmartin Insurance Agency, there is a solution for every situation and a policy for every budget. We offer a range of insurance policies and the most competitive insurance rates anywhere in the area, including Scranton, Pittston, and Wilkes Barre!
Get a real time homeowners quote shopped from several leading homeowners companies.
MAXIMUM COVERAGE AT AFFORDABLE RATES
A LEADING INSURANCE AGENCY IN PENNSYLVANIA
We found a home in Scranton in 1997 and since then we have expanded to Pittston and Lehighton while always keeping our mission of being a neighbor and partner of those around us at the forefront of our every decision. We proudly boast that over 20,000 of our amazing neighbors have chosen to be partners with us and we are excited to keep offering them first class service while learning how we can grow our community with you today!
Do I need flood insurance if I’m not in a flood zone?
Yes. Flooding can occur outside of high-risk flood zones, and many flood claims come from properties in moderate- or low-risk areas. Flood insurance is often optional outside high-risk zones, but it can still be a smart and affordable layer of protection.
What’s the difference between NFIP and private flood insurance?
NFIP (National Flood Insurance Program) policies are federally backed and available to nearly all properties. Private flood insurance is offered by private carriers and may provide lower premiums, higher limits, or broader coverage—but only for properties that qualify.
Does every property qualify for a flood insurance quote?
Yes. Every property can receive an NFIP flood quote. Private flood insurance depends on factors like location, elevation, claims history, and construction, but we automatically check eligibility when possible.
How much does flood insurance usually cost?
Flood insurance costs vary based on flood zone, property characteristics, and coverage limits. Some policies can be surprisingly affordable, especially for properties outside high-risk zones. Getting a quote is the only way to know the actual cost.
What does flood insurance cover?
Flood insurance generally covers damage caused by rising water, including overflow from rivers, heavy rainfall, storm surge, and rapid accumulation of surface water. Coverage may include the structure, certain systems, and contents, depending on the policy.
Is flood damage covered by homeowners insurance?
No. Standard homeowners insurance does not cover flood damage. Flood insurance requires a separate policy, which is why obtaining a flood quote is an important step.
How fast can a flood quote be turned into a policy?
In most cases, a flood quote can be converted into an active policy quickly once coverage is selected and payment is made. Some policies may have a waiting period before coverage begins, depending on the situation.