Flood Insurance - Personal

When it comes to flooding, most homeowners are surprised to learn that standard home, condo, and rentersinsurance policies do not cover flood damage. Whether you live in a high-risk zone or not, floods can happen anywhere - and the damage can be devastating.

From heavy rains and hurricanes to sudden snowmelt or backed-up storm drains, flood events are becoming more frequent and more costly. Protecting your home and belongings with flood insurance is no longer optional - it’s essential.

Why You Need Flood Insurance - Even If You're Not on the Coast

Flooding isn’t just a coastal problem. In fact, more than 25% of flood claims come from low-to-moderate risk areas. And just one inch of water can cause tens of thousands of dollars in damage to your home.

Many people assume federal disaster assistance will cover them — but the truth is, those funds are often limited, and may only come in the form of loans you’ll have to repay.

Coverage Can Include:

• Building Coverage
• For the structure of your home or unit, including electrical and plumbing systems, HVAC, foundation, and built-in appliances.
• Contents Coverage
• For personal property such as furniture, electronics, clothing, and valuables damaged by floodwater.
• Basement Coverage Options
• For items like water heaters, washers/dryers, and building components located below ground level.
• Loss Avoidance & Prevention
• Some policies can reimburse you for efforts to minimize damage — like sandbagging or moving property before a flood.

Tailored Protection, Expert Guidance

Whether your property is in a FEMA-designated flood zone or you simply want peace of mind, our team will help you:

• Understand your flood risk
• Determine your coverage needs
• Navigate the National Flood Insurance Program (NFIP) or explore private market options
• Avoid gaps and delays in protection

Don’t Wait for the Storm

Flood policies typically have a 30-day waiting period, so the best time to protect your home is before a flood is in the forecast.