Insurance in Branford, CT
Insurance in Branford, CT
Branford’s coast runs through four villages, from Short Beach to Stony Creek, and Irene and Sandy hit them in different ways. We help Branford owners with flood, home and boat coverage.
Short Beach and Indian Neck: Irene first, then Sandy
When Irene came through in 2011, Linden Avenue in Indian Neck collapsed under the water, and the Weather Service reported two to four feet of water across Pine Orchard. In Short Beach, Beckett Avenue went deep underwater. Sandy came the next year, and Beckett Avenue took the worst damage in town again. East-facing homes on Johnson’s Beach fared worse than in Irene, and Limewood Avenue and Stony Creek flooded again.
Some Short Beach owners had just finished their Irene repairs when Sandy flooded them again. The town’s floodplain manager then ruled their homes substantially damaged, which meant raising them to FEMA standards. National Flood Insurance Program policies include a capped Increased Cost of Compliance benefit that helps pay to bring a substantially damaged home up to code. We’ll explain how that works before you need it.
Thimble Islands boats and moorings
Boat tours leave from the Stony Creek dock to the Thimble Islands, and a lot of Branford residents keep their own boats in the harbors and the Branford River. A homeowners policy covers little or nothing on the water. A separate boat policy covers the hull, the motor, liability and towing, and many also cover fuel-spill cleanup. Check your mooring or marina agreement too, because many require proof of liability coverage.
Branford questions we hear
Is Pine Orchard or Stony Creek riskier for flooding?
It varies street by street. Pine Orchard had two to four feet of water in Irene, and Stony Creek flooded in both storms. We look at your address on the FEMA map, not the village name.
Will Branford’s power outages be covered?
The outage itself usually isn’t, but food spoilage and damage from a power surge can be, depending on the policy. Sandy left 14,908 Branford homes without power, according to the New Haven Independent. Ask about adding equipment breakdown coverage.
Your office is in Stratford. Is that too far for Branford?
Most of our work is done by phone and email, so distance rarely matters. When you want to meet, it’s about 20 miles west on I-95 and Route 15.
Branford to our office
From Town Hall on the Branford green, it’s about 19.7 miles west via Route 1, I-95 and Route 15. Allow about 31 minutes, and more when I-95 is backed up.
Route estimate: OpenStreetMap / OSRM
Branford coverage
- Flood · Flood for Short Beach, Indian Neck, Pine Orchard and Stony Creek
- Boat · Boat for Thimble Islands and Branford River boaters
- Homeowners · Homeowners for raised and older shoreline homes
- Condo · Condo for complexes along Route 1 and near the Branford green
Homeowners · Auto · Renters · Condo · Landlord · Flood · Boat · Motorcycle · Umbrella · Business
Talk to an agent about your Branford policy
ASK Insurance
88 Ryders Lane, Suite 210
Stratford, CT 06614
860-613-5929
ask@askinsurancect.com
South Hadley, MA: by appointment.
Nearby town pages