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Flood Insurance
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- NFIP Flood Insurance
- Private Flood Insurance
- FEMA Flood Insurance
- Savings up to $900/year
- Zero Added Cost For Service
- Guaranteed Cheapest Price
4.8/5 Rated “Excellent”
Compare Flood Insurance Quotes Today.
Offering an easy process from start to finish for people looking for flood insurance covering a range of options from private to fully government backed
- Flood Insurance
- Discount For Homeowners
- All Property Types
- Exclusive Prices Not Found Online
- Guaranteed Lowest Price
Wayne Neil
The best insurance company ever….
Why Choose The Mello Agency?
At The Mello Agency, we believe in a better way to protect your assets. Unlike faceless online insurers, we provide a personal, tailored approach to flood insurance. Our team is here to guide you through every step—no call centers, no automated responses, just real people ensuring you get the right coverage at the best price.
- Real Experts, Not Algorithms - Speak directly with knowledgeable agents who understand your needs.
- Exclusive Rates – Access prices you won’t find online, thanks to our strong relationships with top insurers.
- Hassle-Free Claims Support – When the unexpected happens, we help you navigate the claims process smoothly.
- Long-Term Support – We don’t just sell policies—we build relationships. Our team is here for you year after year.
HOW THE MELLO AGENCY WORKS
Get your flood insurance in 3 easy steps
(1) Submit Details
Fill out the application form provided. Provide accurate and detailed information about yourself, your property, or any other relevant details requested by the insurer.
(2) Get A Quotation
Carefully review the insurance quotes you receive, comparing coverage limits, deductibles, premiums, and any additional features or benefits offered.
(3) Get Covered
If your application is approved, you will receive an insurance policy document along with the premium amount you need to pay.
Why Choose The Mello Agency?
At The Mello Agency, we’re here to simplify your life insurance journey. No third parties, no selling your information—just us, ensuring you get the coverage you need without hassle. We’re focused on genuine relationships built on trust and clarity. When you reach out for a quote, you’ll talk to real people who are dedicated to understanding your needs and finding the perfect fit. You’re more than a policyholder to us; you’re part of The Mello family.
Let’s make flood insurance personal, straightforward, and centered around you.
Great value cover
Flexible insurance policies to suit your needs
Easy to use
Friendly unbiased advice from experts
Trusted claims process
Ask about our claims experience, we don't hide away from them
The Mello Agency vs Buying Online
Features
Placed With Carriers Who Actually Pay Out
Over-the-Phone Guidance
Assistance With Claims
Regular Policy Reviews
Clear, Jargon-Free Communication
Help With Complex Insurance Jargon
Long-Term Support And Service
The Mello Agency
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Buying On Your Own, Online
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Why get covered?
Home insurance does not cover flood damage*
- Coverage so you are not stuck repairing your home
- Take the stress off you and your family
- Be 100% Covered
Floods are common and costly*
- One inch of water can cause roughly $25,000 of damage to your property.
- 40% of the National Flood. Insurance Program (NFIP) flood insurance claims occur outside the high-risk flood areas.
Your Peace of Mind*
- Policies to match all situations
- Brokered among the highest rated carriers for the lowest price
- Options for All Homeowners
*Always subject to the terms, conditions and limits of your policy and plan. Some benefits are not available on all options, speak to our team to discuss your options today.
Exclusive New Hampshire & Massachusetts Offers
Many advisers operate under large networks, which gives them the ability to offer financial services like life insurance. However, this often means you, the client, end up paying more for your policy due to additional fees and commissions tied to the premium. At The Mello Agency, we are directly authorized, allowing us to offer you the most affordable rates straight from the insurer. We are paid by the insurer, not by our clients.
- The Ultimate Win Win: We get paid from the providers, not from our clients.
- No Loaded Premiums: We offer you prices with no loaded premiums, receive the cheapest premium for your cover, without being charged more.
- Whole Of Market Search: Unbiased and trusted advice, we give you what's best for you, not what's best for us.
Rated 'Excellent'
Every policy is tailored specifically to you.
Andrew Richards
The Mello agency is hands down the best company out there. I needed insurance for a commercial vehicle that I believed I personally could not insure. They were able to find me insurance at a low rate and very quickly.
Kimberly Hughes
Leslie Millos is very professional and responsive. It is a pleasure doing business with her!
John Whitney
We just transferred our auto insurance from our old car to our new car and Jennifer Dagher from The Mello Agency was fantastic! She walked us through process and actually got us a better rate than we originally thought we would get! We are very happy with the service she provided! Thanks, Jenn!!! J and S Whitney
Charissa Alanurm
Jenn with the Brian Mello agency was extremely helpful and she took the time to listen to my questions and explain how I could save money. Thank you Jenn! You went above and beyond and I appreciate your hard work helping me to understand what I needed for coverage!
Get A Flood Insurance Quote From Real People, Who Care
Rod B
Leslie at the Mello Agency is super to work with. She gets insurance requests, changes needed and always helps me save money. She is very knowledgeable. Also super friendly and eager to help her customers. She really cares about her clients.
Jennifer Lynn
Highly recommend The Mello Agency for all your insurance needs. The entire staff is so friendly and knowledgeable. They are always quick to respond to all policy questions or concerns.
Jan Smith
Excellent service.Answered all questions. Made purchasing both home and auto insurance very easy.
Larry Lonas
We had a lot of questions about all of our insurances we get thru Mello/Allstate Insurance. Rebecca was very professional in giving us advice in what we needed to do in the process. One question she did not have an answer but got back to us the next day, as promised, with the info.
Mello / AllState lucky to have such a valuable employee representing them.
Mello / AllState lucky to have such a valuable employee representing them.
Flood Insurance Benefits
Fully Protect Your Home
Debris Removal
Contents Coverage
Money For Repairs
Never worry again
Recommended By Others
Family Can Rest Easy
Quick Payment
Ask Our Experts
Flood insurance covers damage to your home and belongings caused by flooding. It also pays to replace damaged items.
Flood insurance premiums are calculated using a variety of factors, including the risk of flooding, the type of coverage, and the age and design of your home.
Risk of flooding
- Flood zone: Homes in high-risk flood zones, like Special Flood Hazard Areas, pay more
- Elevation: The elevation of your home in relation to the base flood elevation
- Distance from flooding: How far away your home is from potential flood sources
Type of coverage
- Amount of coverage: The amount of coverage you purchase affects your rate
- Type of coverage: Whether you’re purchasing building and contents coverage
Age and design
- Age of construction: Older homes may be more expensive to insure
- Design: How a building is adapted to withstand floods
Other factors
- Replacement cost: The cost to rebuild your home
- Deductible: The higher your deductible, the lower your premium
- Claims history: Some carriers won’t accept properties with previous flood claims
The National Flood Insurance Program (NFIP) uses Risk Rating 2.0 to calculate premiums. This method bases premiums on a property’s specific flood risk, rather than a general risk category.
The main differences between private flood insurance and the National Flood Insurance Program (NFIP) are coverage options, flexibility, and who administers the policy.
Coverage options
- Private flood insuranceOffers more flexible coverage limits and options than the NFIP. Private policies can also cover living expenses if you can’t live in your home after a flood.
- NFIPOffers basic coverage as required by banks. The NFIP’s standard policy pays for physical damage to your property up to the policy limits.
Flexibility
- Private flood insurance: Private insurers can offer as much coverage as they want.
- NFIP: Policies are overseen by FEMA and can’t be canceled as long as you pay your premiums.
Administration
- Private flood insurance: Written by private insurance carriers.
- NFIP: Administered by the Federal Emergency Management Agency (FEMA).
Other considerations
- AvailabilityPrivate flood insurance is available in all 50 states, but may be limited in high-risk areas.
- PremiumsPremiums differ between private flood and NFIP policies because they assess flood zones differently.
When choosing between private flood insurance and the NFIP, you can consider your coverage needs, property value, location, and budget.
Home insurance policies typically do not cover flood damage because floods are considered a high-risk, unpredictable event that could lead to significant claims payouts, causing insurance premiums to rise drastically for everyone; therefore, most insurance companies choose to offer flood coverage as a separate policy through the Federal Emergency Management Agency (FEMA) to manage the risk more effectively.
You can get a lower flood insurance premium by:
- Raising your deductibleWhile you’ll pay more if you file a claim, a higher deductible can lower your premium.
- Improving your home’s flood resistanceYou can elevate your home, install flood openings, and improve your home’s flood mitigation strategy.
- Getting an elevation certificateThis document shows that your home is at a lower risk of flooding, which can lead to lower premiums.
- Participating in the Community Rating System (CRS)Communities that implement floodplain management practices can receive discounted premiums.
- Encouraging your community to participate in the CRSYou can encourage your community to improve their CRS rating.
Other factors that affect your flood insurance premium include: The type of coverage you purchase, The amount of coverage you purchase, The location of your home, The age and design of your home, and The elevation of your home’s utilities.
FEMA uses flood risk data to set premiums based on each property’s individual risk.
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Email: a0d8006@allstate.com
Call or Text: (603) 472-2599
Address : 132 Bedford Center Road Ste. C, Bedford
NH 03110
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