Pilgrim Insurance Company

Pilgrim Insurance offers flood insurance policies through the National Flood Insurance Program’s Write Your Own (WYO). In this program, Pilgrim Insurance Company is allowed to issue NFIP flood insurance policies which helps make the issuance and claims service be promptly given, and also helps you to expand your cover.

Using the WYO program, Pilgrim Insurance Company can issue flood protection plans, manage payments and adjust claims. After a customer has made a claim, Pilgrim Insurance Company closely monitors loss and expense costs.

Dwelling policy

This policy only covers a non-condominium residential building which are designed to be occupied by one to four families. It also covers a single family dwelling unit in a condominium building. If you are in a community that is participating in the National Flood Insurance Program (NFIP) Regular Program, or Emergency Program, the policy will cover a single-family that lives in a non-condominium residence and does not occupy more than 50% of the total floor area. The policy also covers a family of two to four people dwelling in a non-condominium and occupies not more than 75% of the total floor area. Other covers include a dwelling unit in residential condominium house, a residential town-house, and mobile homes.

General Property Policy

This policy is offered to owners non-residential buildings, or residential condominium buildings who are ineligible to get covered by the Residential Condominium Building Association Policy (RCBAP). The policy covers residential buildings in communities participating in the NFIP Regular Program or Emergency Program and may include: hotels that have had a guest occupancy of 6 months and above, an apartment building, a residential cooperative building, a dormitory, an assisted-living facility.

For non-residential buildings, the policy may also cover other structure like a shop, or other business; farm buildings; agricultural or industrial processing facility; factory; warehouse; recreational building; house of worship; school; hotel; nursing home; detached garage, or other commercial contents. The policy also covers non-residential condominium; and a condominium building with not more than 75% residential use of its total floor.

Residential Condominium Building Association Policy

This policy is issued to condominium associations in order to insure residential condominium buildings that are eligible. In communities that are participating in NFIP Regular Program, the policy provides building coverage and residential condominium building that 25% of less of its total floor area in residential use.

Filing Claims

Pilgrim Insurance Company will reimburse you for direct physical loss of your property due to flooding only if you have paid the correct premium, and complied with all the terms and conditions of the policy.

Additionally, you should furnish the company with accurate information and statements about yourself and the property, which could help them revise the policy based on the review. You can contact the company at:

695 Atlantic Avenue, Boston, MA 02111 or telephone: (800) 721-8294.