Are You Insured if Your Home Floods?

March 20, 2018

Flood Insurance

Is Your Home Insured for Flood Loss?

If there were a flood today, would you be protected? Making sure you have adequate coverage in place now can save you time and money from the most catastrophic natural events in the U.S. Remember, anywhere it rains, it can flood.

Just a few inches of water can cause hundreds and thousands of dollars in damage. Over the past 10 years, the average flood claim has amounted to over $33,000 the National Flood Insurance Program (NFIP) reported. Typically there is a 30-day waiting period - from the date of purchase- before the new NFIP policy goes into effect, for it's important to act now, before the water rises.

Homeowners Policy Is Not Always Enough

Most people don't realize their home insurance policy doesn't cover damages from flooding. The good news, the NFIP provides coverage to its policyholders for up to $250,000 for the structure of the home and up to $100,000 for personal possessions. Homeowners living in a designated flood area should consider additional insurance protection, known as excess coverage, over and above the basic policy or for people whose communities don't participate in the NFIP.


Video courtesy of Insurance Information Institute

Want to find out more about your Flood Insurance options?


More From This Week

Holiday Parties

Social host liability laws

Holiday parties will abound this season. If you’re the host and will be serving alcohol to your guests, you should consider a few things to ensure your guests’ safety and limit your liquor liability.  More »

Christmas Lights

Holiday ladder safety reminders

Every year, hundreds of people fall from ladders while hanging decorations. In 2010 alone, 13,000 people were treated for decorating related injuries, so be careful this 2018 holiday season.  More »

Christmas Decorations

Holiday decorating safety tips

More than 14,000 people will go to the emergency room this season for injuries caused by holiday decorations, like candle fires. Here are some tips to make sure you’re not one of them!  More »

Cell Phone

Cell phones and emergencies

Cell phone coverage is often the first utility to be restored after a weather emergency. What was once a luxury form of communication is now often back in service before power & landlines.  More »

Our Insurance Partners

Trusted companies like

Safeco Insurance

Get a Flood quote And start saving money today!

We can find discounts on flood insurance you may not find on your own. Give us a call, or get a flood insurance quote online today.

Bookmark Our Mobile Site visit m.insurancegroupusa.com

Information you need, when and where you need it most. More »

We're Your Trusted Choice

Trusted Choice logo As a Trusted Choice agency, we are dedicated to treating you as a person, not a policy.