Flood Insurance

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Flood Insurance

Even if your home or business is located away from water or is covered by a homeowner or business insurance policy, you may still need Flood Insurance. Groundwater flooding can cause damage to buildings on higher ground many miles from a body of water and over 20 percent of flood insurance claims originate from areas that are not considered to be high flood-risk. Homeowner and business insurance policies generally exclude flood and related losses because of the catastrophic nature of floods. Affordable flood insurance protection is available and is often an important component of a sound insurance program.

Along with policies written through the National Flood Insurance Program (NFIP), Insurance Wagon offers polcies from private flood insurance carriers.  Sometimes private flood insurance quotes are less expensive, more flexible in limits and offer more coverage.  Be sure to ask an Insurance Wagon agent to explain the difference between private flood insurance policies and policies offered through the NFIP.

Some home insurance carriers now offer the option to add a flood endorsement on to your home insurance policy.  This can be beneficial for a few reasons.  The carrier may offer a single deductible for flood insurance and home insurance losses.  The premium may also be less expensive than purchasing two separate policies.  Another benefit is if you pay the home insurance through escrow, you can also pay for your flood insurance through escrow if it's able to be endorsed to your home insurance policy.  

Do you have questions about Flood Insurance?

Contact an insurance agent at Insurance Wagon today to answer any questions about Flood Insurance or for a free review and insurance quote for Flood Insurance. 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.