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Our nation has been trying its best to stop COVID -19 from spreading in our communities.  Not knowing what will happen in the next few weeks and months leaves us all with questions.   In order to keep all of us as safe and healthy as possible, we are going to maintain contact with you via phone, email and regular mail service as needed.  We are not scheduling in-office or face-to-face meetings.

At this time, Dan, Wanda and Gwen are in the office Monday through Friday 9-5pm daily.  We are responding to all calls and emails in a timely manner.  Just know, we can also work remotely and will be able to respond to any needs in the event of a full office closure.  Should you need to make a payment or a policy change, please reach out to us directly at 651-264-1230.  The Contact Us tab at the top of the website has all of our emails as well. 

If it is after hours and you have a claim to report, calling your carrier directly would be a faster response.  This is a great time to make sure you have your insurance carrier's MOBILE app as well.  Here is the carrier link page.  https://www.lancetteagency.com/links.aspx

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Home > Flood Insurance - Minneapolis, St Paul, Minnesota

Flood Insurance


Flood Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Flood Quote Form

Flood Insurance Information

Flood Insurance

Minneapolis, St. Paul, Minnesota

There's something you should know: Flood losses are not covered by your homeowners insurance policy.

Floodwaters have the power to damage not only your home and sense of security, but also your financial future. How can you protect your most important investment in case of flooding?

Option 1: Hope That You'll Receive Federal Disaster Relief If A Flood Hits

Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding. The truth is that Federal disaster assistance is only available if the President formally declares a disaster. Even if you do get disaster assistance, it's often a loan you have to repay, with interest, in addition to your mortgage loan that you still owe on the damaged property.

Most importantly, you must consider the fact that if your home is flooded and disaster assistance isn't offered, you'll have to shoulder the massive damage costs alone. The bottom line is that if you're looking for secure protection from financial loss due to flood damage, Federal disaster assistance is not the answer.

Option 2: Buy Flood Insurance And Stay Protected No Matter What

When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not Federally declared. Flood insurance means you'll be reimbursed for all your covered losses. And unlike Federal aid, it never has to be repaid.

In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it's already too late. You will not be insured if you buy a policy a few days before a flood.

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Local: (651) 264-1230|Fax: (651) 264-1233 1322 Helmo Ave N|St Paul, MN 55128
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