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Flood Insurance

The purchase of your home is likely the most important purchase you will ever make. Having the right amount of coverage is paramount to protect your investment and your family. With our flood insurance coverage, you’re protected from the hefty costs that a floor full of water can cause.

Contact us today to find out how we can help.

Do I Need Flood Insurance?

If you own a home and have a homeowners policy, chances are you are not covered by floods unless you purchased additional coverage.
You should especially consider flood insurance if you live in an area that experiences frequent flooding due to:

  • Hurricanes
  • Tropical storms
  • River overflow
  • Heavy rain

Another consideration to make is whether your basement is unfinished and used for storage (are there expensive items?) or finished and has valuable furniture. Determining the value of your basement will help you decide if you need floor insurance.

Notable Considerations for Flood Insurance

Here are some additional things to consider when deciding if flood insurance is right for your home:

  • Flood insurance is easily purchased through the National Flood Insurance Program (NFIP). Fletcher Insurance Group offers NFIP policies that work on the replacement cost method for home structure and actual cash value for damaged personal property.
  • Flood insurance premiums are quite low compared to other coverage. The average cost for a home under NFIP flood insurance is $112 annually. This may increase or decrease depending on where you live.
  • Maximum coverage amounts are $250,000 for home structure and $100,000 for items and equipment inside the home.

If you’d like to learn more about whether flood insurance is right for you, please speak with one of our agents today by requesting a quote.

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