Flood Insurance can be required by your loan if you’re in a flood zone. We can help you with all aspects of obtaining a flood insurance policy. In most cases we can track down the Elevation Certificate that is required to quote flood insurance. If one does not exists we can direct you on how to obtain one. From there we will handle the quoting process.
Can we place a link here to request a quote for flood insurance? If they click the link it will email me? Is there a way to have them leave their name, address, email and phone?
Should you shop around for Flood Insurance? You can but your flood insurance policy will cost you the same, no matter where you get it. Flood insurance is a national program backed by the federal government (via the National Flood Insurance Program). So, however you buy it, it's ultimately coming from the same place.
For many homeowners, flood insurance is an essential extra layer of protection. Adding flood insurance to your insurance package means you're covered if groundwater rises and floods your home—a situation that isn't usually covered by home policies.
Why flood insurance might be a must-have
We agree with the National Flood Insurance Program—everyone should have flood insurance, especially if you're in an area that has a high flood risk. You might even be required to have it if you're at high risk.
Here's why the National Flood Insurance Program (NFIP) recommends flood insurance to everyone:
The situations that cause flooding—heavy rain, melting snow, severe coastal weather—can happen anywhere. In fact, one in five flood insurance claims comes from someone in a low—or medium-risk area.
Most of your house is covered; what isn't?
Generally, most of your house is covered by flood insurance.
Specifically, the core parts of your home—like the foundation and the systems that keep it running—are covered. So are appliances.
Carpeting and personal belongings are generally covered, unless they're in the basement. You’ll have to add personal property coverage or you can insure the home without that coverage. If you’re in a low risk area, the policy usually comes with personal property coverage.