Protect your assets in the event of a disaster.
Flood insurance personalized for you.
Just because you don’t live in a high flood risk area doesn’t mean it’ll never happen to you. We’ll provide the specialized coverage you need to help protect your home from rising waters—even if you’re not in a flood zone.
Debunking the three myths surrounding insurance for flooding.
There are three major myths about flood insurance that mean you could be taking an unnecessary risk.
Flooding is a risk no matter where you live.
The first myth is that flood insurance is only needed for people living in designated flood zones. In reality, flooding is a potential risk everywhere and the damage can be devastating.
Homeowners policies don’t typically cover damage from floods.
Another myth is that homeowners insurance automatically includes flood coverage. In reality, that is usually not the norm, and you should always assume you aren’t covered unless your homeowners policy specifically says otherwise.
Only a small percentage of homes are covered by government programs.
The third myth is that government programs have taken care of flood insurance. There is a National Flood Insurance Program that guarantees the availability of insurance in specific areas. However, this only covers a tiny percentage of American homes.
The difference between having and not having a flood policy.
For most homeowners, floods are a low likelihood but high-cost risk. If you are hit by flooding you could lose most of your personal possessions, face major reconstruction work, or even be left homeless for months while your property is made habitable again. In most cases, not having coverage for flooding is a chance you simply can’t afford to take.
Contact us and we’ll help explain the benefits of obtaining a separate flood insurance policy.
Flood Insurance FAQ
Is flood insurance required by law?
Flood insurance generally isn’t required by law, but if your home is in a high-risk flood zone and you have a mortgage, your lender typically requires you to carry coverage. Outside a high-risk zone, coverage usually isn’t required, though as we’ve covered, that doesn’t mean the risk is zero.
What does a flood insurance policy actually cover?
A flood policy generally covers two separate things: your home’s structure and your personal belongings, each with its own coverage limit. Under the NFIP, building coverage caps at $250,000, and contents coverage at $100,000 for a typical home. Contents claims are typically settled based on actual cash value, which factors in depreciation. It’s worth talking to your agent about how that could affect a claim, especially if you need more than the coverage limit.
Is there a waiting period before my flood coverage starts?
Yes, most new flood policies have a 30-day waiting period before coverage takes effect. There are a couple of exceptions, though: if your lender requires flood insurance as part of a mortgage closing, coverage can typically start right away. It’s still smart not to wait until a storm is in the forecast to get covered. That’s part of why it’s smart to get flood coverage in place well ahead of storm season, rather than waiting until a storm is already in the forecast.
Can renters buy flood insurance?
Yes. If you rent your home, you can typically purchase a flood policy to cover your personal belongings, even though your landlord is usually responsible for insuring the building itself.
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As an independent agency, we are here to help you find the right Flood Insurance coverage.
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Flood Insurance Quote Request
As an independent agency, we are here to help you find the right coverage.
Get a Quote
It only takes a minute to get started.
- Fill out the form, we’ll be in touch.
- Review options with an agent.
- Get the coverage you need.
