Commercial & Residential Flood Insurance

Flood insurance is a type of property insurance that covers damage to your home and or Commercial Property, Personal belongings, business stock and equipment caused by flooding. This type of insurance is essential because standard homeowners insurance policies typically do not cover flood damage.

Flood insurance policies are available for both residential and commercial properties. They cover losses due to various causes of flooding, such as heavy rain, storm surges, blocked drainage systems, or dam failures. The National Flood Insurance Program (NFIP), managed by FEMA, offers flood insurance to homeowners in participating communities.

If you live in a high-risk flood area and have a mortgage from a government-backed lender, you are required to have flood insurance1. It’s important to note that there is usually a 30-day waiting period for a new flood insurance policy to take effect, so planning ahead is crucial.

Do you have any specific questions about flood insurance or how it works?

We offer a range of plans that can be customized to fit the unique needs of Homeowners and Commercial properties.