Flood Insurance

Insuring your home against floods will give you peace of mind, even in the rainy seasons.

Determine your flood zone
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What Is Flood Insurance?

Flood insurance protects the structure of your home, as well as your personal items that are ruined or damaged by flooding. Because homeowner’s insurance doesn’t cover flood damage, your home must be insured under a separate flood policy.

Why Doesn’t My Home Insurance Cover Flooding?

Including flood coverage in comprehensive home insurance policies increases the premiums and deductibles, making it less likely for homeowners to buy and insurance carriers to sell the home insurance package. As a result, most homeowners insurance policies do not include flood damage in their list of coverages.

What About NFIP?

The most common insurer against flood damage is The National Flood Insurance Program by FEMA. However, you cannot purchase flood insurance directly from the NFIP without an insurance agent, or if you live in an area that is not qualified for NFIP coverage. Whether you go with NFIP or a private insurer, there will be a 30-day waiting period before your policy goes into effect, so don’t procrastinate!

A private policy can provide protection sooner after you buy it than does a NFIP one. The federal program requires a waiting period of 30 days after first paying the premium for a new policy. Some private insurers have the same requirement, but others allow you to be covered 10 or 14 days from opening and paying for the policy.

Get Covered

If you purchase flood insurance from our carriers, it can cover some or all of the following:

  • Your home’s foundation
  • A personal building’s foundation
  • Electrical and plumbing systems
  • Air conditioning equipment, furnaces, and heaters
  • Appliances like washers, dryers, refrigerators, and stoves
  • Personal possessions, such as electronic equipment, furniture, and clothing

Keep Your Home Safe from Floods

To protect your home from flooding, especially if you’re in an area susceptible to rising waters, you’ll need to purchase flood insurance. Not sure where to start? Ask one of our flood agents about the steps you should take to protect your home and belongings at an affordable rate.

How to Get Flood Insurance

There are two ways to get flood insurance:

The National Flood Insurance Program (NFIP) is the federal plan from FEMA. Most homeowners who have flood insurance get it from the National Flood Insurance Program.

Private personal flood insurance is available from some companies. They may have coverage options not available from FEMA so they can be good for people who have large or expensive properties, or who simply find the FEMA choices to be insufficient.