Flood Insurance

Typical Homeowners and Commercial Property policies do not cover flood damage - you need a separate policy for flood damage.

Purchasing flood insurance will help protect the things you value. We offer two types of coverage – building coverage and contents coverage – to protect your home and belongings.

Flood Policy Building coverage protects your:

Electrical and plumbing systems
Furnaces and water heaters
Refrigerators, cooking stoves, and built-in appliances like dishwashers
Permanently installed carpeting
Permanently installed cabinets, paneling, and bookcases
Window blinds
Foundation walls, anchorage systems, and staircases.
Detached garages
Fuel tanks, well water tanks and pumps, and solar energy equipment

Flood Policy Contents coverage protect your:

Personal belongings such as clothing, furniture, and electronic equipment
Curtains
Washer and dryer
Portable and window air conditioners
Microwave oven
Carpets not included in building coverage (e.g., carpet installed over wood floors)
Valuable items such as original artwork and furs (up to $2,500)