I always find it helpful to inquire with the homeowner about who is currently their insurance company and what they are paying for flood insurance. If that does not give you the answer you were looking for than I would suggest shopping around as other agents here have mentioned. I made several calls when buying my home in Pine Beach (near water) and it paid off to compare prices! The savings were so significant!
For more information call me at (732) 552-8145. I will tell you who gave me the best rates and give you some other referrals to compare.