Learn about Flood Insurance

It doesn't matter if you live in a flood plain, every property owner is susceptible to flood damage and your current insurance probably doesn't cover it. Let us give you a quote today!

What is Flood Insurance?
Flood insurance is the specific insurance coverage against property loss from flooding. To determine risk factors for specific properties, insurers will often refer to topographical maps that denote lowlands, floodplains and floodways that are susceptible to flooding.
1o Reasons to Quote with a Flood Endorsement
  1. One policy that includes both homeowners and flood coverage
  2. No 30 Day wait to add Flood Endorsement coverage
  3. No HIFAA surcharge of $25 or $250
  4. Higher limits (in excess of $250,000 up to Cov A limit) without needing an Excess Flood policy
  5. Replacement Cost on Home and Personal Property
  6. Broader coverage for Other Structures in comparison to the NFIP
  7. Ordinance and Law coverage available
  8. Additional Living Expense coverage available
  9. Lower Rates than the NFIP
  10. One adjuster for homeowners and flood claims means a quick resolution
More About Flood Insurance
Flood Insurance Coverage Options:
Low-to moderate-risk areas
Most buildings and their contents in a low- to moderate-risk areas are eligible for a low-cost Preferred Risk policy. A Preferred Risk policy offers two types of coverage: building and contents combined or contents-only. Rates start as low as $49 per year for contents and $129 for building plus contents coverage.
If you live in a low- to moderate-risk area and you don't qualify for a Preferred Risk policy due to multiple flood losses on your property, a Standard Risk policy is available.

High-risk areas
Customers in high-risk areas can purchase Standard Risk coverage for the building only, contents only or for both the building and contents.

Coverage limits
​Based on the value of your building and its contents, coverage is available up to the following maximum limits of the National Flood Insurance Program:
Type                      Building                        Contents
Residential            $250,000                      $100,000
Nonresidential     $500,000                      $200,000
(commercial)

If you need coverage beyond these amounts, you may be eligible for a separate Excess Flood policy. 

​What's covered
Flood insurance policies cover direct physical loss by or from flood to your building and personal property. The following is an overview of items that would be eligible for coverage subject to the coverage purchased.

Building Property coverage includes:
  • The building and its foundation
  • Electrical and plumbing systems
  • Central air conditioning equipment, furnaces, and water heaters
  • Refrigerators, stoves and built-in appliances such as dishwashers
  • Permanently installed carpeting over unfinished flooring
  • Permanently installed paneling, wallboard, bookcases, and cabinets
  • Window blinds
  • Detached garages (up to 10% of Building Property coverage)
Personal Property (contents) coverage includes:
  • Personal belongings, such as clothing, furniture, and electronic equipment
  • Curtains
  • Portable air conditioners
  • Portable microwave ovens and portable dishwashers
  • Carpets not permanently installed over unfinished flooring
  • Washers and dryers
  • Freezers and the food in them
  • Certain valuable items such as original artwork and furs (up to $2,500)
  • Replacement cost coverage is not available for personal property
Other Coverages:
  • Debris removal at federal minimum wage (not subject to deductible)
  • Loss avoidance measures ($1,000 limit, no deductible)
  • Increased Cost of Compliance — flood proofing, relocation, elevation and demolition (subject to limitations and qualifying criteria)
Coverage for basements and property in them is limited regardless of flood risk. Your agent can help you in determining your flood risk and the type of flood coverage you want to purchase.

Contact us to learn more about the right amount of flood coverage for your home.
Regardless of where you live, you may want to buy flood insurance if you own or rent property. Even a small amount of water in your home can cause thousands of dollars in damage.

Learn more about flood insurance basics here and dowloand our Flood Insurance Brochure for Homeowners using the link below.
Flood Insurance Brochure for Homeowners
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