Are you a homeowner looking for flood insurance?
Flood insurance is not one-size-fits all. What works for your neighbor might not be what’s best for you. America’s Flood can help you customize a flood insurance policy that fits your needs today.
Get peace of mind with flood insurance coverage for homeowners
We know you put a lot of time and money into making your home safe for your family. Repairs, home improvements, renovations — you’ve done the work to make your house a home.
When a flood strikes, you want to be prepared. That’s why we help you find an affordable flood insurance policy to help protect what you love.
Do you need flood insurance?
There are many areas in the United States where homes are at a greater risk of flood damage. Homeowners that live in these floodplains are required to carry flood insurance by their lender.
Even if you’re not in a floodplain, you may still be at risk. 20-30% of flood claims are made in areas where flood insurance isn’t required by the lender.
Did you know most homeowner insurance policies don’t cover damage from flooding? This can leave one of your most valuable assets unprotected.
America’s Flood can help you get the coverage you need for the price you can afford.
What Does Flood insurance cover?
At America’s Flood, we help you find a flood insurance policy that meets both your needs and your lender’s requirements.
Most lenders require you to carry building coverage only, but that can leave some of your assets unprotected.
OTHER COVERAGES AVAILABLE
Personal Property Coverage:- Helps pay to repair or replace your personal belongings.
Other Structures:
- Coverage for structures on your property other than your house.
Loss of Use:
- Can help cover the costs for reasonable housing and living expenses while your house is temporarily uninhabitable.
Why private flood insurance?
By working with the private market, America’s Flood is able to provide you with broader coverage — in addition to NFIP programs run by the government.
The NFIP is run by the Federal Emergency Management Agency (FEMA), which is underwritten by the government. For a primary residence, an NFIP plan provides up to $250K in building coverage and $100K in personal property.
While this may meet the lender requirements, it may not meet yours. The private market can provide you with:
- Little to no waiting periods
- Higher coverage amounts than what the NFIP offers
- Excess coverage (additional coverage added to your primary policy)
- Most don’t require an elevation certificate
- Loss of use
- Other structures
- Insurance for COBRA/CBRA zones (Coastal Barrier Resource Area)
How much does flood insurance for homeowners cost?
We know purchasing insurance isn’t always on the top of your bucket list. Flood insurance plans can get expensive, and they aren’t always built for your unique needs.
America’s Flood doesn’t charge an agency fee, and has access to both the NFIP and private market. This allows us to find you the best coverage at the best price.
Don’t Wait for an Emergency
Don’t wait until you’re knee-deep in flood damage to get the coverage you need for your home.
Contact us today and get the protection you need before disaster strikes.
