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Flood Insurance

Flood insurance helps cover the costs if your property gets damaged by flooding. It kicks in when water overflows from rivers, storms, heavy rain, or other sources, covering things like your building and belongings.

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 provides crucial financial protection by covering repair or replacement costs for your home and belongings damaged by flooding, helping you recover without bearing the full financial burden.

  • Peace of Mind: Flood insurance offers peace of mind, allowing you to focus on the well-being of your family and the recovery process without the added stress of extensive 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
12

ASSESS
FLOOD RISK

Assess the flood risk for your property by checking flood zone maps and considering local weather patterns and proximity to water bodies.
2
29

LOOK INTO
REPUTABLE
PROVIDERS

Look for insurance companies that specialize in flood insurance, and consider those with good reputations and customer reviews.
3
25

LEARN ABOUT
DIFFERENT
COVERAGE TYPES

Familiarize yourself with the coverage options offered by different plans, including building coverage and contents coverage, and ensure they meet your specific needs.
4
35

ENSURE
COVERAGE

Ensure that the coverage limits are sufficient to cover potential damages to your home and belongings in case of a flood.
5
30

COMPARE
PREMIUM
COSTS

Compare premium costs across different providers, and inquire about available discounts or factors that may affect your premium, such as elevation certificates or community participation in floodplain management.
6
17

BE AWARE
OF WAITING
PERIODS

Be aware of any waiting periods associated with flood insurance policies, as some plans may have a waiting period before coverage becomes effective.
7
5

LICENSED
INSURANCE
BROKER

Seek guidance from an insurance agent who specializes in flood insurance to ensure you understand the policy terms, coverage details, and any additional factors specific to your location.

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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