Flood Insurance

What Is Flood Insurance?
Flood insurance is a specialized policy designed to protect your property and belongings from damage caused by flooding. Unlike standard homeowners insurance, it covers losses directly resulting from rising water, heavy rainfall, storm surges, or overflowing bodies of water. Policies are typically offered through the National Flood Insurance Program (NFIP) or private insurers.

Why Do You Need It?
Flooding is the most common and costly natural disaster in the U.S., and even properties outside high-risk zones are vulnerable. Without flood insurance, you would be responsible for covering all repair and replacement costs out-of-pocket. Having coverage ensures financial protection, peace of mind, and can be a requirement for properties in federally designated flood zones.

Questions to Ask Your Agent
When considering flood insurance, ask your agent: What does the policy cover and exclude? How is the premium determined? Is my home in a high-risk flood zone? What is the process for filing a claim? Are there additional coverage options for basements or personal property? These questions help you understand your coverage and make informed decisions.