Flood Insurance

Just because you do not live in a high flood risk area does not mean it'll never happen to you. We will provide the specialized coverage you need to help protect your home from rising waters—even if you are 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 cannot afford to take.

Contact us and we will help explain the benefits of obtaining a separate flood insurance policy.

Request a flood quote to get started.