Protect yourself from the most common natural disaster
Why is flood insurance essential?
There are so many ways water can cause expensive damage to your home. According to the Insurance Information Institute (III), the average flood claim in 2018 was $42,580.
It’s important to know that flood damage and water damage covered by a homeowners policy are different. Homeowners policy coverage is limited to water damage caused by unexpected home-related situations, like a burst pipe or a leaking dishwasher. Homeowners policies don’t cover damage caused by flooding. A flood insurance policy is the only way to be covered for flood damage to your home.
We support the NFIP’s position that every homeowner and renter should have a flood policy, especially if you live in a high-risk flood area. You might even be required to have one if you’ve gotten a mortgage through a federally regulated or insured lender.
What does flood insurance cover?
Flood insurance covers your home and property, essential systems and your personal possessions. You can customize the coverage that’s right for you.
Basic flood insurance
We can help you purchase a basic flood insurance policy through the NFIP.
Broader flood insurance
For even greater protection, we can help you get more extensive coverage than what’s offered by the NFIP policy, as well as coverage for certain items typically excluded by the flood policy, like limits that cover the full value of your home and belongings, and coverage for belongings stored in your basement.
How affordable is flood insurance?
Flood insurance premiums vary depending on your flood risk, the year your home was built, the amount of coverage you purchase and your deductible. We’ll work with you to customize a flood policy that suits your coverage needs and budget.