Flood Insurance

Flood Insurance is not just for people who live near rivers or  creeks, or on the coast. (And, oddly enough, those who live in these  areas often believe that they don't qualify for flood insurance because  of the high risk factor.) 

Floods are the most  common and costly natural disaster. And contrary to common belief,  flooding is not restricted to hurricane-prone areas or large bodies of  water, in fact, about 25%of all flood-related claims come from low to  moderate risk areas. 

A "flood" is defined as a general and temporary condition of partial or complete inundation of normally dry land areas from:

  • The overflow of inland or tidal waters. 
  • The
  •  are excluding on a standard  homeowner's policy!  Federal disaster assistance, which is really a  low-interest loan, is only available if the flooded area is declared a  natural disaster.  Most floods aren't.

Flood insurance  can protect you. It covers direct physical losses and damage to the  building, and damage to your personal property.  Flood insurance is  intended to protect you financially in case you suffer damage caused by  flooding, and helps get you back into your house as soon as possible. It  covers losses due to flood, flood-related erosion, excessive waters  accompanied by a severe storm flash flood, abnormal tidal surge,  tsunamis, and mudflows due to flooding.

Flood insurance  is available for virtually everyone: homeowners, renters, houses,  manufactured homes, condos, apartments, and commercial buildings, even  in a floodplain. The only caveats are:

  • The  building must be located in a community that participates in the  National Flood Insurance Program (NFIP). Almost every community in the  United States participates in this program. Click Here for More Info...
  • Flood  insurance is catastrophic insurance. That means that there are certain  limits to the insurance provided. The maximum available coverage for  residential buildings is $250,000 for the structure and $100,000 for the  contents of your home, and is available starting at $355 per year.

Don't wait until it starts raining to buy flood insurance! There is a 30 day waiting period between your

application  and the effective date of your coverage A great mobile home insurance  policy blends reliable protection, outstanding service, and affordable  rates—and that’s exactly what you can get with. 

Get your free flood insurance quote today and build a policy that’s right for you, with help from our flood insurance experts.

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Contact us for additional information.