Why Purchase Flood Insurance?

Guidelines for Purchasing Flood Insurance

Most parts of the region are subject to flooding.  Flooding causes over 10 billion dollars of damage each year. Your homeowners, condominium, or renter’s insurance will not cover flooding losses.  Over 20 percent of land is considered part of some flood zone.  Even if you do not live in a high flood risk area, you are in some danger of loss from a flood, because 20 percent of all flood claims are filed in low to moderate flood risk areas, according to the Insurance Information Institute.

Flood insurance protects two types of insurable property: building and contents. The first covers your building, the latter covers your possessions; neither covers the land they occupy.

  • We can help you purchase flood insurance. Most, if not all, flood policies are issued through the Federal Government.
  • Flood insurance covers the direct loss from floods. Water or sewer back up is generally not defined as flooding.
  • Flood insurance covers the structure and content of the covered location.
  • The most flood insurance coverage you can buy is $250,000 for your home and $100,000 for the contents of the home.
  • Businesses can also purchase flood insurance through the Federal program.

Having a flood insurance policy is the best way to protect your personal and business assets most fully from the cost of flood damages and loss. If you do not have flood insurance and the Federal Government declares a disaster you may not be eligible for low interest loans and other resources offered.

We invite you to complete an online quote or call us to review coverage options for auto insurancehome insurancelife insurancehealth insurancebusiness insurance, commercial insurance, renters insuranceboat insurance, and more. We provide free, no hassle and no obligation quotes to let you see what we have to offer.


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