Whether you own or rent, your home is important to you. And so are your belongings. From TVs and smartphones to the items you treasure, like your grandmother’s clock.
You probably have property insurance to protect your home and belongings. But what about protection from flood damage?
Flooding can occur anytime, anywhere. Even in the most unlikely places. And it’s caused by more than just heavy rainfall. Melting snow and hurricanes can cause flooding, too. New construction is also a contributing factor during heavy rainfall.
One of the smartest ways you can protect your home and belongings is with flood insurance from, available through the National Flood Insurance Program (NFIP).
Flood insurance FAQs
I have homeowners insurance. Why do I need a flood policy too?
Most homeowners policies don’t cover damage caused by flooding. Check your policy. If it doesn’t cover flood damage, you should consider adding a flood policy.
What does flood insurance cover?
With a standard policy you can protect against damage to:
- The building
- Its contents
- Or both
Depending on your needs, you may decide to insure both to protect:
- Structural elements, such as walls, floors, equipment and fixtures
- Contents, such as furniture, appliances, and wall and floor coverings
- Personal items, such as clothing, audio equipment and televisions
Can I get a flood policy if I live in a high-risk flood zone?
You can get coverage as long as your community participates in the National Flood Insurance Program (NFIP) – and most communities do.
How can I save money on flood insurance costs?
The federal government establishes flood insurance rates, and all companies offering flood coverage will use these rates to determine your cost.
You may be able to save money if you:
- Live in an area that has a low-to-moderate risk of flooding
- Meet the requirements of a preferred risk policy
- Choose higher deductibles
- Live in an area that participates in the NFIP Community Rating System (CRS mitigation)
Is it easy to get flood insurance?
It is with Madeleine I. Brooks Insurance! Simply contact us and ask for a flood insurance quote. We’ll be happy to answer your questions and assist you in adding this valuable protection for your property.
Tips and tools to help you protect your property against flood damage
The National Flood Insurance Program provides several useful tools at FloodSmart.gov to help property owners protect themselves against flood damage.