Protect Your Property with Comprehensive Flood Insurance

Flood insurance helps cover the costs if your property gets damaged by flooding. It happens when water overflows from rivers, storms, heavy rain, or other sources. This water can cover your building and belongings.

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Home Insurance

Types of Flood Insurance

  • Building Property Coverage covers the physical structure of your home or business, including its foundation, walls, and roof.

  • Personal Property Coverage covers your belongings, such as furniture, clothing, and electronics.

Hurricane Ian flooded houses in Florida residential area. Natural disaster and its consequences
Surrounded by hurricane Ian rainfall flood waters homes in Florida residential area. Consequences of natural disaster

Benefits of Flood Insurance

  • Financial Protection: Flood insurance offers important financial protection. It covers repair or replacement costs for your home and belongings damaged by flooding. This helps you recover without facing the full financial burden.

  • Flood insurance gives you peace of mind. It lets you focus on your family and recovery. You won’t have to worry about high repair and replacement costs.

How To Choose a Flood Insurance Plan

Follow these steps to find the flood insurance plan that works for your needs and budget. 

1
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ASSESS
FLOOD RISK

Check the flood risk for your property. Look at flood zone maps and think about local weather patterns. Also, consider how close you are to water bodies.

2
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LOOK INTO
REPUTABLE
PROVIDERS

Look for insurance companies that specialize in flood insurance, and consider those with good reputations and customer reviews.
3
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LEARN ABOUT
DIFFERENT
COVERAGE TYPES

Get to know the coverage options from different plans. Look at building coverage and contents coverage. Make sure they fit your specific needs.

4
Flood Insurance

ENSURE
COVERAGE

Make sure the coverage limits are enough to protect your home and belongings from flood damage.

5
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COMPARE
PREMIUM
COSTS

Look at premium costs from different providers. Ask about any discounts that might be available and check for factors that could affect your premium.

6
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BE AWARE
OF WAITING
PERIODS

Be aware of waiting periods for flood insurance policies. Some plans may have a waiting time before coverage starts.

7
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LICENSED
INSURANCE
BROKER

Talk an to a TMT Insurance agent who knows about flood insurance. They can help you understand the policy terms and coverage details. They will also explain any factors that are specific to your area.

No Matter What Your Goals Are, We Have Insurance Policies to Support You

We work closely with you to choose from a range of insurance products (all with tax advantages) and customize them to protect what you value most.

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Frequently Asked Questions

Anyone who lives in an area prone to flooding should consider purchasing flood insurance. This includes those who live in coastal areas, near rivers or lakes, or in areas with a history of flooding. Even if you don’t live in a high-risk flood zone, it’s still possible for your home or business to flood, so it’s a good idea to be prepared.

No, flood insurance only covers damage caused by flooding. Other types of water damage, such as a burst pipe or a leaky roof, are typically covered by homeowners or business insurance.

To file a claim for flood damage, contact your insurance agent. Be sure to document the damage with photographs and keep any receipts for repairs or replacements.

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