Standard property or homeowners insurance policies exclude coverage for flooding. Floods occur frequently and can happen just about anywhere. Some areas, such as coastal regions or near bodies of waters, are more prone to flooding. In some cases, flood insurance may be required legally or by a mortgage bank in order to secure a loan for a home. However, even if this is not the case, flood insurance is strongly recommended as floods can cause extensive damage and loss of use to property owners.

Flood Insurance can cover both dwelling and personal property for damage caused by the peril of flooding. Exclusions apply, so it is important to discuss with your agent about your property risks as well as coverages offered within a flood insurance policy.

There are two primary types of flood insurance:
We represent insurance carriers offering both NFIP coverage as well as private flood insurance options. Contact us today for a free consultation and quote for flood insurance!