Flood insurance, explained before the forecast changes.
Standard home and business policies usually don't cover flood. We help you understand your flood zone, compare federal program and private flood options, and get a policy in place ahead of storm season.
What we'll look at together
Every household and business is different. These are the details that shape your options.
- Your location
- Your address, flood zone, and an elevation certificate if you have one.
- Your building
- Foundation type, number of floors, and where your utilities sit.
- Your lender's requirements
- Whether flood coverage is required for your mortgage.
- Your contents
- What you want covered inside the home or business, not just the structure.
Good to know
- Flood policies often have a waiting period before they take effect. Don't wait for a storm.
- Not in a high-risk zone? Flooding still happens there. It's worth a conversation.
- Renters and condo owners can get flood coverage for their belongings too.
General information only. Your policy documents and carrier decide what is and isn't covered. An agent can walk you through yours.
Common questions
My home policy covers water damage. Isn't that the same?
Usually not. Water from a burst pipe and water from rising flood waters are typically handled very differently. We'll walk you through your policy.
Do I need an elevation certificate?
Not always, but it can help. If you don't have one, we'll tell you whether it's worth getting.
Can I buy flood insurance any time of year?
You can apply any time, but because of waiting periods, it's best to do it well before hurricane season.
Sample reviews (demo)
Fictional samples written for this demo site.
I didn't understand my flood zone at all. Marcy walked me through it on the phone and followed up by text with the next steps.
I filled out the quote form on my lunch break and had a text back before I finished my sandwich. Rosa called that evening and explained everything without rushing me.
Let's talk about your flood insurance.
Request a quote in about two minutes and a licensed agent will reach out within the hour during office hours.