Every homeowner in Florida is at risk for flood.
Flood insurance to protect you and your family.
Even if you’re not in a high-risk special flood hazard area doesn’t mean it’ll never happen to you. We’ll provide the specialized coverage you need to help protect your home from rising waters—even if you’re not in a flood zone.
Debunking the three myths surrounding insurance for flooding.
There are three major myths about flood insurance that mean you could be taking an unnecessary risk.
Flooding is a risk no matter where you live.
The first myth is that flood insurance is only needed for people living in designated flood zones. In reality, flooding is a potential risk everywhere and the damage can be devastating.
Homeowners policies don’t typically cover damage from floods.
Another myth is that homeowners insurance automatically includes flood coverage. In reality, that is usually not the norm, and you should always assume you aren’t covered unless your homeowners policy specifically says otherwise.
Federal assistance programs will provide protection after a flood.
The third myth is that government programs have taken care of flood insurance. There is a National Flood Insurance Program that guarantees the availability of insurance in specific areas. However, the National Flood Insurance Program requires that you pay a premium for coverage.
The difference between having and not having a flood policy.
If you are hit by flooding you could lose most of your personal possessions, face major reconstruction work, or even be left homeless for months while your property is made habitable again. In most cases, not having coverage for flooding is a chance you simply can’t afford to take.
Contact us and we’ll help explain the benefits of obtaining a separate flood insurance policy.
The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.
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As an independent agency, we are here to help you find the right coverage.
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