Flood Insurance (FEMA or Private)

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Flood Insurance (FEMA or Private)

Flood insurance isn't just for Ohio & Michigan residents who live in a designated flood plain. Flood insurance provides coverage for your property damaged through groundwater intrusion that is typically excluded from your homeowners policy. Most home lenders require flood insurance for property located in a designated flood plain. It can also be purchased by homeowners who do not live in a flood plain. 

More on the Advantages of Private Flood Insurance Companies

Private flood insurers can offer consumers higher coverage, which is important to homes valued above $350,000. Policies provided by the NFIP typically have a maximum coverage of $250,000 for the structure of your home and a $100,000 on your possessions. In many cases, private insurers can provide you with twice that or more that level of coverage —especially if your property is located in an area with a lower flood risk. Therefore, if you need maximum coverage private insurers are the only way to go.

Another key advantage of private flood insurers is that they provide coverage for a greater number of possessions. This is useful if you have furs, jewelry, fine art or collectibles that could be damaged by flood waters. The NFIP lumps all these items into a single category, and only pays you up to $2,500 in damages. A private flood insurer will be able to cover each of these items separately, up to much higher limits. Additionally, a private company may be able to rearrange these limits to closely match what you have in your home. Because the NFIP follows a much stricter standard policy, such customization is not available with federal flood insurance.

Private flood insurance can also pay for living expenses in the event your home becomes uninhabitable. This type of coverage is typical of regular homeowners insurance policies, but is not included in flood insurance sold by the federal government.

Do you have questions about Flood Insurance?

Contact Fuller & Sons Insurance Agency today to answer any questions about Flood Insurance or for a free review and insurance quote for Flood Insurance.

Do you have questions about Flood Insurance (FEMA or Private)?

Contact an insurance agent at Fuller & Sons Insurance Agency today to answer any questions about Flood Insurance (FEMA or Private) or for a free review and insurance quote for Flood Insurance (FEMA or Private). And don't forget, as an independent insurance agency, we represent several top rated insurance companies. We have the flexibility to help you find coverage at competitive premiums for business, home, auto, and more.