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Flood Insurance

Flood Insurance

1st Quality Flood Insurance

Be Prepared for the Unexpected. Flood Insurance protects your home, contents and valuables from rising waters. Too many find out too late they are at risk of flood damage. Homeowners and renters policies exclude damage from flood. A flood insurance policy can be specialized coverage you need to help protect your home, personal property and financial security from rising waters.

The National Flood Insurance Program is managed by the Federal Emergency Management Agency(FEMA), a component of the US Department of Homeland Security. Be prepared, Get a Quote Today.

Why do I need Flood Insurance?

Typical home and business owners’ policies don’t cover damage from floods. However, flood coverage is available through the NFIP. These policies, which are in addition to ones’ standard home or business plan, do cover damages resulting from floods. If you live in a home or own a commercial building in one of the Special Flood Hazard Areas, you’ll likely be required by your lender to purchase flood coverage.

What do Flood Plans cover?

The structure itself is covered under the basic policy, and optional coverage for your contents may also be available. Renters may also be able to buy coverage for their contents.

Policies are issued by both private insurers and the NFIP. There are currently almost 100 insurance companies that offer the plans, which are sold by Property and Casualty insurance agents.

Rates are dependent on a number of risk factors, including the age and construction type of your home or business, and the risk zone in which it’s located. The amount of coverage desired is also critical: coverage for the structure includes the building and foundation, plumbing and electrical systems, HVAC, appliances and even carpeting. Contents coverage may include clothes and furniture, portable air conditioners and dishwashers, even electronic equipment.

For any further questions on flood insurance, give us a call (800) 985-6817 or fill out the form and get a response from a local agent today!