We all live in a "flood zone" because any place is capable of flooding, given the right conditions. Even historically dry areas have been known to flood without warning. That's why it's important to protect your property with flood insurance, so you're not left saying "I never thought it would flood here!" The question is, what type of coverage do you want?
The key is knowing your personal level of flood risk. One way is to let us run a "flood zone determination" for your home or business. That will help determine if you live in one of the following:
In other words, you don't have to be near a body of water to be at risk. Anywhere it can rain, it can flood.
Coverage limits for Flood Insurance are based on the value of the building and its contents. Maximum coverage limits are determined by the National Flood Insurance Program. We can go over those limits with you.
Flood insurance covers direct physical loss to your building and its contents caused by flooding.
Flood insurance is available in all 50 states, as long as your community participates in the National Flood insurance Program (except in Coastal Barrier Resources System (CBRS) areas). Contact us for more information and to see if your community participates.
Have a question about flood insurance? Fill out the form below and we will get back to you within 24 business hours.
Flood Insurance Update
Click here to view updated information about flood insurance.
Additional Coverage For Renters & Homeowners
Expanded Coverage With Umbrella Coverage
Or, be sure to read about Umbrella Coverage. With a Personal Umbrella policy, you'll have additional liability limits over and above those provided by your underlying policies. Your assets, as well as your future earnings, are covered.
Discounts & Savings
You can get discounts for improvements to your home; car and home insurance policyholders can save on both policies with built-in discounts for bundling insurance; and non-smokers can get home insurance discount, too. Contact us to learn more.
Forms and Phone Numbers
Insurance Brochures and Tipsheets