Flood Insurance

You don't have to live near water to be devastated by a flood. Storms, melting snow, hurricanes, and water backup can all cause floodwaters to invade your home. Which is why it's vital that you know your basic homeowners policy doesn't cover flood damage.

To protect your home and belongings, you need specific flood insurance, which will generally cover up to $250,000 for the building and $100,000 for its contents.

Who can get flood insurance?

Regardless of your flood risk, if your community participates in the National Flood Insurance Program, you can purchase flood insurance.

How much does it cost?

Flood insurance is reasonably priced. About $100,000 of coverage can cost as little as $300 per year. Compare that to the cost of a disaster home loan of $50,000, which can cost as much as $300 per month, and you can see why planning ahead is the smart choice.

Contents coverage is offered separately, so renters can insure their belongings too.

Doesn't the government help out after a flood?

Federal disaster assistance is only available if the President declares a disaster, which happens less than 90% of the time. Your flood insurance pays even if a disaster is not declared.

Request a no-obligation Flood Insurance quote now.

See also:

• Are you prepared for a Flood?
• Know what to do if a hailstorm strikes
• Tornado safety precautions may save your life
• Watertight ways to avert water damage

You might also consider :

• Single Family insurance
• Second Home insurance
• Rental Property insurance
• Mobile/Manufactured insurance