Personal Insurance
Flood Insurance
Fill the gaps in coverage that are excluded from standard homeowners policies with dedicated flood protection.
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Flood Insurance Coverage
Most homeowners policies exclude coverage for “acts of God” like heavy rains, rising rivers, and storm surges—flood insurance fills this critical gap. Flood insurance covers direct physical losses from floodwaters during heavy rain, rising rivers, storm surge, and natural disasters.
Standard homeowners policies exclude water damage from natural disasters or storms, though they may cover burst pipes and accidental water events. Note: Flood insurance does NOT cover vehicle damage—that requires a comprehensive auto policy.
Important
There is typically a 30-day waiting period before flood insurance takes effect. Don't wait until a storm is approaching to get covered.
What's Covered
Building Coverage
Covers the structure of your home including foundation, electrical, plumbing, HVAC, and permanently installed fixtures.
Contents Coverage
Protects your personal belongings including furniture, appliances, clothing, and other items.
Basement Coverage
Limited coverage for basement items including certain appliances and systems located below the lowest elevated floor.
Debris Removal
Covers the cost of removing debris from your property after a flood event.
Why You Need Flood Insurance
What Affects Your Premium
The average annual flood insurance premium is around $700. Your actual cost depends on several factors:
Know Your Flood Zone
Nearly 41 million Americans live in flood zones. Check the FEMA Flood Map Service Center to determine your specific flood risk. Zones A and V carry the highest risk, and lenders typically require flood insurance for mortgages in these areas.
However, 20% of all flood claims are filed in low to moderate risk areas. Flooding from heavy rain, flash floods, and drainage issues can happen anywhere.
Get Flood Quote
Fill out this form for a free flood insurance quote.
Don't Wait for the Next Flood
Protect your home and belongings from flood damage. Contact us today to get flood insurance coverage.