Your homeowner policy does not protect you in the event you suffer a loss caused by flood damage. Flood coverage is provided under a separate policy through a select group of insurance companies that offer this protection that is managed by the government. Premiums vary depending upon your location, if you are in a high (standard) or low (preferred) risk flood zone. The low risk or preferred zones offer very affordable priced policies.

The maximum amount of coverage available on your dwelling is $250,000 with a maximum amount of $100,000 available for contents. You can obtain higher limits through the excess flood market – which our agency has access to as well – for additional premium. These policies also offer various deductible options that can lower your premium.

There is a 30-day waiting period after your application has been submitted unless you are closing on a loan so be sure to apply in advance of when you want your coverage to take effect.

Our agency represents two reputable flood insurance companies: Travelers Flood Insurance Program and Selective Flood Operations. Please contact us for more information or a no obligations quote.

Two informative sites to visit are www.floodsmart.gov and www.fema.gov to learn more about flood insurance.