From Hammonasset Beach to West Wharf, from the Daniel Hand kids' graduation to the Westbrook Park retirees' shuffleboard, we've helped Madison families with insurance for 25 years. Amanda grew up here. The agency is here. It's our hometown, and you'll see us at the farmer's market.
Madison's insurance picture skews older than most shoreline towns. The 60-plus crowd is the dominant demographic — many came from elsewhere in the Northeast, retired here for the beach access, and stayed for the Hand school district when grandkids started visiting. So most of our Madison work is Medicare planning, life insurance for legacy purposes, long-term-care conversations, and homeowners coverage for houses these families have owned a long time and intend to pass down.
The flood story in Madison is a north-south one. Anything south of Route 1 and within about a half-mile of the water tends to be in or near a FEMA AE zone — lender-required flood. The West Wharf and Garvan Point peninsulas, the cottages tucked behind Tuxis Pond, the small streets running off the green — we know these blocks. Risk Rating 2.0 has shifted NFIP premiums significantly in the past few years, and private flood is now often the cheaper option. We re-quote flood for Madison clients every renewal.
The other piece of Madison: a real population of second-home owners from New York and Boston. Insurance for a second home is its own conversation — vacancy clauses, dwelling-fire vs. homeowners forms, who watches the property in the off-season. We do plenty of these. If you've inherited a Madison house and aren't sure what kind of policy makes sense, send us the situation.
And for Madison retirees on Medicare with limited income, the Medicare Savings Programs are an underused door — they help with Doctor coverage (Part B) premiums and cost-sharing, and they fold into the broader Medicare-Medicaid coordination conversation that's most of my work.
Original Medicare, Advantage, Supplement (Medigap), prescription drug coverage. Annual reviews every fall. Most popular service in Madison.
Free Medicare review 02For 55-to-70 Madison clients, this is the critical conversation. Traditional LTC, hybrid policies, or Medicaid planning — we walk through all three.
LTC consultation 03Madison's coastal blocks and FEMA AE zone. NFIP vs. private flood. We re-quote every year — rates and zones change.
Free flood review 04Whether it's a final expense policy or larger permanent coverage for estate purposes, we read illustrations carefully.
Life insurance reviewThe agency office is in Madison. We do most first meetings at clients' kitchen tables — Madison, Guilford, Clinton, Westbrook — but if you'd rather come to us, we have a quiet meeting room that fits four people comfortably. Coffee's always on.
I sometimes run "Medicare 101" sessions in the fall before Annual Enrollment for community groups in Madison — if your group, library, or senior center wants one, send me a note.
Most likely either AE (high risk, lender-required if you have a federal mortgage) or X (low/moderate risk). Check the FEMA Flood Map Service Center using your address, or send it to us — we'll pull the current zone and quote both NFIP and private flood. Zones can change with periodic FEMA map updates.
It depends on whether you'll live in it (homeowners), occasionally use it (second-home, sometimes called dwelling-fire DP-3), or rent it out (landlord policy or DP-3 rented). Each has different premium math, different vacancy clauses, and different liability exposures. We'll walk through the options.
Now. Your Medicare Initial Enrollment Period opens 3 months before your 65th birthday. Talking to us 4–6 months ahead means you'll have time to understand the choices and not just react to the carrier mailings. Read our turning-65 guide.
Yes, in nearly every case. If you're on HUSKY (Connecticut's Medicaid) and turning 65, you become Medicare-eligible too — and the right Medicare plan can drive your out-of-pocket costs to nearly zero by coordinating with your existing coverage. Read how the two programs work together.
Live in Madison — or anywhere on the shoreline — and have an insurance question on your mind? Send me your situation. The first conversation is free, no follow-up calls you didn't ask for.
Book a call →Your kitchen, our office, the back patio at Tonino's — whatever works. Your free insurance appointment includes valuable guidance tailored to your needs.
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