Insurance to safeguard your property from the devastating effects of a flood.

Protection from Flood Peril

Flood insurance provides specific protection for your home from the peril of rising flood waters, which is not covered under standard home insurance policies.

Mandatory Requirement in High-Risk Zones

For homeowners in high-risk flood zones (1 in 100 year risk zones), flood insurance is required by mortgage lenders, ensuring that you have the necessary coverage to safeguard your home.

Optional Coverage in Low-Risk Zones

In low-risk flood zones (1 in 500 year risk zones), flood insurance is optional. However, it still offers valuable protection for homeowners in these areas, giving them peace of mind against potential flood damages.

Customizable Coverage

Flood insurance offers different coverage types, including building coverage, content coverage, temporary living expenses, and detached structure coverage. This allows homeowners to tailor their coverage based on their specific needs and level of risk.

Financial Assistance During Displacement

Flood insurance includes coverage for temporary living expenses, providing additional money to pay for accommodations and food when homeowners are displaced from their homes due to flood damage.

Elevation Certificate Discounts

By obtaining an elevation certificate, homeowners in high elevation areas can prove their lower flood risk to insurance companies, potentially qualifying for discounts on their flood insurance rates.