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Be Protected When Rising Water Threatens
Flooding is the most common—and costly—natural disaster in the U.S., yet it isn’t covered by standard homeowners insurance. Advisors will help you understand the fine print, compare FEMA and private options, and make sure you’re protected before the storm clouds gather.
Clear Guidance for Complicated Coverage
Flood insurance can be confusing—what qualifies as a “flood,” which program fits best, and how much coverage you really need. Our team simplifies the process, so you know your home and belongings are protected when water damage strikes.
Building Coverage
Protects your home’s foundation, electrical, plumbing, and built-in appliances from flood damage, ensuring your biggest investment is secure.
Contents Coverage
Safeguards your personal property—furniture, clothing, electronics, and more—if floodwaters damage or destroy them.
FEMA vs. Private Flood Options
We help you compare government-backed FEMA coverage with private market alternatives, finding the right balance of affordability, flexibility, and protection.
Low-Risk Area Coverage
Even outside flood zones, storms and rising water can cause serious damage. Affordable options are available, and we’ll help you explore them.
Mandatory Coverages
The core protections that keep your home and family financially secure when flooding happens.
Covers the structure of your home, including foundation, walls, and built-ins, from flood-related damage.
Protects personal belongings inside your home, ensuring you don’t have to replace essentials out-of-pocket.
Optional Coverages
Flexible add-ons that strengthen your protection.
Extends your coverage above FEMA limits, ideal for high-value homes or properties with unique risks.
Instead of paying actual cash value, this option replaces your damaged items with new ones.
You’ve got questions, we’ve got answers. For any additional questions you may have beyond these, schedule a chat with our team.
Yes. One in four flood claims comes from outside high-risk areas. Policies are often affordable and can provide critical peace of mind.
FEMA defines a flood as affecting at least two acres of normally dry land—or you and at least one neighbor. Localized water damage (like a backed-up drain) typically isn’t covered.
There’s usually a 30-day waiting period before coverage takes effect, so it’s best to buy before a storm is on the horizon.
Private carriers may offer higher coverage limits, fewer restrictions, and faster claims processing. We’ll help you compare both to see which fits your situation best.
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