Flood Insurance

Your financial life-boat.

Just 1″ of water could cost you $25,000 in damages!

Don’t wait for disaster to strike to get protected.

Flood Insurance

Your financial life boat.

Just 1″ of water could cost you $25,000 in damages.

Don’t wait for disaster to strike to get protected.

More than 40% of flood claims come from outside high-risk areas.

Flood damage strikes frequently in low to moderate risk areas. Don't wait for disaster to strike to get coverage. Regardless of your area's risk level, flood insurance is a good investment.

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Stop wasting time comparing flood insurance options online. Let us do the heavy lifting for you.

We compare insurance from both major and local carriers, and will present you with the best options – same day, free of charge.

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Here's what you need to know about flood insurance.

With floods being the most common natural disaster in the U.S., it’s important to financially protect yourself in case disaster strikes.

Homeowners insurance policies do not cover damage caused by flooding, so a separate flood insurance policy is needed to cover the structure and contents of your home in the event of a flood.

What is flood insurance?

Flood insurance covers damage and losses directly caused by flooding. According to FEMA, a flood is defined as an excess of water on land that is normally dry, affecting two or more acres of land or two or more properties.

Is flood insurance required?

Flood insurance is required if your home is in a high-risk flood area and you have a government-backed mortgage.

What does flood insurance cover?

Flood insurance covers the foundation and contents of your home, such as: plumbing and electrical systems, appliances, finishings, and personal belongings.

Types of flood insurance.

There are two types of flood insurance policies, dwelling coverage and contents coverage, which are purchased separately and have separate deductibles. As a homeowner, you can purchase coverage up to $250,000 for your dwelling (aka house) and $100,000 for the contents of your home (aka your stuff).

Dwelling Coverage

Protects the home's foundation and covers the cost to repair things like walls, staircases, electrical and plumbing systems, appliances, installed finishings, and more.

Contents Coverage

Contents coverage protects your belongings and covers the cost to replace things like your clothes, furniture, electronics, washer, dryer, artwork, curtains, and more.

Flood policies typically take 30 days to go into effect.

Though you can purchase flood insurance at any time, there is a wait period before policies go into effect. Don't wait until last minute to purchase your policy.

Keeping your home protected.

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Don't take our word for it. See what our customers said about their experience.

Lori R.

“I live in Florida, just bought a house and needed Flood insurance FAST. Alexis QUICKLY helped me get the insurance I needed at a fair price. She was super fast and through email and quick phone calls I got the insurance in hours. Way to go! Thank you Alexis!”

5/5

Jessica L.

“In a profession where there are many agents trying to get your business, [they’re] far ahead of their competition. [They have] knowledgeable agents who really care about getting you the right coverage, not just selling you a policy. I highly recommend you call them for a free Insurance policy review. I would not be surprised that you find better coverage at a better price.

5/5

Genesis M.

“I’m sure if you’re reading this, you’re probably over looking for insurance. You’re probably halfway irritated and just trying to find a cheap price. [THEY] WILL HELP YOU! Super responsive, timely, and professional. Made this insurance shopping situation a lot less stressful. I’m elated and you will be too. Thank me later.”

5/5

Jon W.

“Answered phone promptly, courteous, answered policy questions and called back with more info as discussed the following day. Everything I expect from a business!”

5/5