Flood insurance provides protection for destruction and financial devastation caused by floods. Since homeowner policies do not cover floods or surface water, it’s imperative that you purchase flood insurance to be covered for this type of loss.
Different rates apply based on your property’s location and flood history:
Standard Flood Insurance Policies
Your building and contents can be covered by a standard flood insurance policy. To qualify for a Standard Flood Policy, your community must participate in the NFIP. The National Flood Insurance Program (NFIP) was established and is operated by the government to help communities who enforce floodplain management ordinances to reduce future flood damage.
Preferred Risk Flood Insurance Policies
If your home is in a lower risk zone, you may qualify for a low-cost preferred flood policy.
To learn more about flood policies, contact us or request a quote.