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** LTB INSURANCE is sorry to announce The StarMinder program is no longer available. We apologize for any inconvenience this may have caused.


What is a flood?

Flooding is defined as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties from the following:

• Overflow of inland or tidal waters

• Unusual and rapid accumulation or runoff of surface waters from any source

• Mudflows

• Collapse or subsidence of land along the shore of a lake or other body of water, as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood

What does a Flood Policy cover?

Residential Building Coverage

Building coverage insures a house or dwelling, attached and detached garages, as well as certain permanently installed fixtures such as built-in dishwashers, permanent shelving and cabinetry, furnaces and radiators, hot-water heaters, plumbing fixtures, stoves, ovens and refrigerators.

Residential Contents

Coverage Contents coverage insures most of your personal property and belongings, including:

• Clothing

• Furniture, housewares, bedding

• Decorative items, lamps and lighting fixtures

• Books, home electronics

• Area rugs and draperies

• Clothes washers and dryers

• Air conditioners

• Food freezers and the food in them

• Portable microwave ovens

Coverage in Basements

Flood insurance covers structural elements, essential equipment and other basic items normally located in a basement, such as:

• Unfinished drywall for walls and ceilings, including nonflammable insulation

• Electrical junction and circuit breaker boxes, and required utility connections

• Central air-conditioning units

• Furnaces, hot-water heaters, fuel tanks and the fuel inside them, and heat pumps

• Light fixtures

• Foundation elements

• Cleanup

However, flood insurance does not cover basement improvements such as finished walls, floors or ceilings or personal belongings that may be left in a basement such as furniture and other contents.


Everyone lives in a flood zone - floods are caused by storms, melting snow, hurricanes, and water backup due to inadequate or overloaded drainage systems, dam or levee failure, etc.

• Flooding can happen anywhere - about 25% of flood insurance claims come from low to moderate-risk areas

• Flood damage is not covered by homeowners policies

• Flood insurance is affordable

• Flood insurance is available to homeowners, renters, and business owners

• There is a 30-day waiting period unless you are purchasing at the same time you are writing a mortgage

• Federal disaster assistance is not insurance coverage - it is a loan that must be paid back

• There is also an inexpensive preferred rate policy available if your flood zone qualifies

The best compliment our clients can give us is a referral.

LTB Insurance is happy to review your policy and answer any questions. Please call us at 781-365-1800 or toll free 1-800-LTB-INS1.


Please check out LTB’s first commercial featuring some of our own clients.
The commercial is now airing on the area's most popular channels including HGTV, USA and AMC.



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LTB Insurance Agency
85 Wilmington Road
Burlington, MA 01803
Tel: (781) 365-1800
Fax: (781) 221-0031

Toll Free: 888-LTB-INS1