Flood Insurance

Flooding is one of the most common and costly natural disasters, yet many homeowners are unaware that their standard homeowners insurance doesn't cover flood damage. Don't wait until it's too late – protect your property and belongings with comprehensive flood insurance. 

Why You Need Flood Insurance 

Your homeowners, renters, or condominium policy excludes flood damage, regardless of the cause. Even properties outside designated flood zones can experience flooding from heavy rains, storm surge, or broken water mains. Just one inch of floodwater can cause thousands of dollars in damage to your home and belongings. 

What Flood Insurance Covers 

Building Coverage: Protects your home's structure, foundation, and permanently installed fixtures Contents Coverage: Covers your personal belongings, furniture, electronics, and clothing 

Additional Living Expenses: Helps with temporary housing costs while your home is being repaired 

Flood Zone Requirements 

If your property is located in a Special Flood Hazard Area (Zone A or V), flood insurance is typically required by your mortgage lender. However, flooding can occur anywhere – in fact, properties outside high-risk zones file over 40% of all flood insurance claims.  

Coverage Options

We offer flood insurance through both the National Flood Insurance Program (NFIP) and private insurance companies. Private flood insurance options often provide: 

Higher coverage limits 

Additional living expenses coverage 

Replacement cost coverage for contents 

Potential cost savings when bundled with other policies 

Important Planning Information 

30-Day Waiting Period: Most flood insurance policies have a 30-day waiting period before coverage becomes effective, so it's important to purchase coverage before you need it. 

Package Discounts Available: When you bundle flood insurance with your homeowners policy, you may qualify for package discounts that can help reduce your overall insurance costs.  

Get Protected Today 

Don't leave your most valuable asset unprotected. Contact us today to discuss your flood insurance options and find the coverage that's right for your property. Our experienced agents can help you understand your flood risk and select the appropriate coverage limits to protect your home and belongings. 

Remember: Flood damage isn't covered by standard homeowners insurance. Protect what matters most with comprehensive flood insurance coverage.