Understand Flood Insurance

Flood insurance covers losses to your property caused by flooding. From structural and mechanical damage to flood debris cleanup and floor surfaces (like tile and carpeting), your investment is protected by a flood insurance policy, something that your homeowners policy does not offer.

In addition, you can purchase separate coverage that insures most of your personal property and belongings up to a specified limit, including:

• Clothing
• Furniture, housewares, bedding
• Decorative items, lamps and lighting fixtures
• Books, home electronics, computers
• Area rugs and draperies
• Clothes washers and dryers
• Air conditioners
• Food freezers and the food in them
• Portable microwave ovens

Having flood insurance gives you many benefits. Not only is coverage there when you need it, but it also:

• Compensates for all covered losses
• Compensates for flood damages even if federal disaster aid is unavailable
• Pays for your covered losses, unlike interest-bearing loans through federal disaster assistance
• Comes in low-cost policies for those who qualify
• Guarantees compensation for flood damages because the Federal government backs NFIP flood insurance
• Helps you move on – if your property is damaged by flood, your agent is there to help you handle your claim (note: most claims are paid within 30 to 60 days)

Be FloodSmart! Get covered today.
Remember, there's a 30-day wait before a flood insurance policy takes effect! Be FloodSmart. Get covered today.