Flood Insurance in Berwick and Bloomsburg, PA

Protecting Homeowners and Businesses in Berwick and Bloomsburg, PA

Hartman & Lally Insurers, Inc.

Flood risks take all kinds of forms: structural damage, property loss, and erosion among them.  In Pennsylvania, these can be an overlooked, yet serious liability.  Your flood risks must be mitigated and our comprehensive policies are the mitigation solution.  At Hartman & Lally Insuresrs, we have a personally-tailored flood insurance program that secures private and commercial entities at a favorable price.  Our program is adaptable and contains flexible coverages and will adapt to your needs, providing ultimate coverage.  To get started, contact an agent.  If you’d like to learn more, read on below.

Coverages That Meet Your Needs

Floods can be caused by runoffs, overflows, poor drainage, and heavy rains amongst other risks.  Flood protection form is essential to avoiding high out-of-pocket costs.  Hartman & Lally Insurers concentrate on providing the total coverage you need that fits not only your specific circumstances, but also your budget.  Policy options provided by the National Flood Insurance Program (NFIP), allow  for limits, rates, and deductibles that suit you best and help us to build optimal coverage.  

Your flood insurance policy will include basic coverages for structures, property, and liabilities, but it will also pinpoint specific coverages that are unique to you and your assets.  Though the federal government decides which coverages are available, we will guide you through designing the right mix of coverage and cost.

Your coverage options include:

Building Property

  • Building and foundation
  • Electrical and plumbing systems
  • Central air-conditioning equipment, furnaces, and water heaters
  • Refrigerators, stoves and built-in appliances such as dishwashers
  • Permanently-installed carpeting over unfinished floors
  • Window blinds
  • Dethatched garages, up to10% of building property coverage


  • Personal belongings such as clothing, furniture, and electrical equipment
  • Curtains
  • Portable air conditioners
  • Portable microwave ovens and portable dishwashers
  • Carpets not permanently installed over unfinished floors
  • Washers and dryers
  • Valuable items such as original artwork and furs up to $2,500 in value

In addition to what’s listed above, debris removal, loss-avoidance measures, increased cost of compliance (flood-proofing, relocation, evacuation, etc.) and other coverages are available.  Replacement coverage cost is not available for personal property since replacement values are sometimes difficult to gauge for personal property.  Despite this, we will help you cover your property up to acceptable limits.  

Finding a Solution with Hartman & Lally Insurers, Inc.

Flood insurance can be complicated, so working with a knowledgeable and reputable local agent is integral to your coverage solution.  Hartman & Lally Insurers have worked with personal and commercial accounts alike to avoid the unfortunate fallout of unforeseen and unavoidable flood damage.  Our local and industrial expertise will get you the perfect coverage every time.

We deliver more than products however; our agents manage risk and claims, and we’re fully available.  Whether you need to resolve an emergency, change coverage, and/or get answers to questions, we’ll be there.  

Please contact us or give us a call to learn more.  You can also request a quote when you’re ready to get started on your policy.

At Hartman & Lally Insurers, we are proud to provide flood insurance in Berwick, Bloomsburg, Shickshinny, Nescopeck, Benton, and Nanticoke, PA.  We also serve other areas in the state.