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Flood Insurance
Do You Need Flood Insurance?
Here are some important facts to keep in mind:
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FACT: Homeowners and renters insurance does not typically cover flood damage.
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FACT: More than 20 percent of flood claims come from properties outside high-risk flood zones.
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FACT: Flood insurance can pay regardless of whether or not there is a Presidential Disaster Declaration.
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FACT: Disaster assistance comes in two forms: a U.S. Small Business Administration loan, which must be paid back with interest, or a FEMA disaster grant, which is about $5,000 on average per household. By comparison, the average flood insurance claim is nearly $30,000 and does not have to be repaid.
Maximize Savings Without Minimizing Protection
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Multi-policy discount
When you have two or more insurance policies, you can save big. Insuring your home and flood insurance together could help you save up to 30%. -
Easy pay plan ®
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Claim-free discount
There's No Place Like Home. Be Sure It's Protected.
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Protect your home inside and out with a Flood insurance policy from . You'll have access to an insurance agent who can explain how you are covered by a flood policy and answer any questions you may have. Your home is where the heart is-and it's one of the biggest assets you have.
Why Should I Renew My Policy?
Just because you haven’t experienced a flood doesn’t mean you never will.
Continuous coverage gives you uninterrupted protection
Floods can happen anytime, anywhere — to anyone.
An afternoon storm or backed-up storm drains could bring inches of water into your home and cause thousands of dollars in damage to walls, floors and furniture.
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Having a policy in force could save you money
Flood risk often has a lot to do with how much you pay for your flood insurance policy. Most policyholders living in areas where the flood risk has increased and where FEMA has issued a new Flood Insurance Rate Map may renew at a rate based on their previous flood zone. This Newly Mapped Procedure allows policyholders to continue paying a lower price for their flood insurance policy based on the prior flood map for one additional year after the new flood map is issued. After the first year, policyholders will see rate increases not to exceed 18 percent per year. They are “grandfathered” in at the lower zone designation. For more information about map changes and grandfathered rates, review the fact sheet Map Changes and Flood Insurance: What Property Owners Need to Know.
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Letting your policy lapse could cost you money
Keep in mind, if you ever allow your flood insurance policy to lapse once for either more than 90 days, or twice for any number of days, you may be required to provide an Elevation Certificate (EC), and you may no longer be eligible for any discounted rate you were previously paying. In recent years, legislation has changed, and grandfathered rates are slowly increasing; a policy lapse could force the discounted rate to increase instantly to the full-risk rate.
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Protect your investment—your bank expects you to
If you live in a high-risk area and have a loan from a federally-regulated or insured lender, you are required to renew your flood insurance. When you purchase a home, you accept liability for any damage—from fire, wind, hail, theft or flooding—that may occur while you live there.
Why People Choose Us?
Reasons to Choose Us
Largest selection of insurance companies & multiple discounts available
Simple purchase process by phone, email and/or fax
Policies issued instantly the same day you buy
Requirements for new home closing and mortgage lenders are met and satisfied
Expert knowledge of all Flood Insurance policies and Elevation certificate requirements, we answer all of your questions and concerns
Low downpayments
Easy payment plans
100% Satisfaction Gauranteed
Testimonials
Look At The Low Rates We've Gotten Our Clients
38 yr. old Husband, 26 yr. old Wife in Tampa, FL; 2015 House. Husband and wife have Flood and home together. We saved them $300 SAME DAY!
ONLY $21.36 per month!
47 yr. old mother, 21 yr. old daughter in college. Miami, FL; Full Coverage on 1966 Home with pool and pool enclosure. Being non renewed by current company. We found coverage same day and saving $400
ONLY $18.30 per month!