Insurance We Offer
Flood Insurance
Standard home policies don't cover flooding — we can help you close the gap.
Flooding is one of the most common and costly natural disasters, yet it's excluded from standard homeowners policies. A dedicated flood policy helps protect your home and belongings from rising water.
We'll help you understand your flood zone, evaluate your risk, and secure the right coverage through the National Flood Insurance Program or private carriers.
What this coverage can include
- Building property coverage
- Contents / personal property coverage
- National Flood Insurance Program (NFIP) policies
- Private flood insurance options
- Guidance on flood zones and elevation
Coverages and availability vary by carrier, state, and policy. Contact us to review the specific options available to you.
Flood Insurance — Frequently Asked Questions
Why do I need separate flood insurance?
- Standard homeowners and renters policies specifically exclude damage from flooding and rising water. The only way to protect your home and belongings against flood damage is a dedicated flood insurance policy.
Do I need flood insurance if I'm not in a high-risk zone?
- It's worth considering. More than a quarter of flood claims come from properties outside high-risk flood zones. Policies for lower-risk areas are often less expensive, and we can help you weigh the cost against your exposure.
How do I find out my flood zone?
- Your flood zone is determined by FEMA flood maps based on your property's location and elevation. We can look up your zone, explain what it means for your risk and premium, and quote coverage through the NFIP or a private carrier.