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Flood insurance provides specific protection for your home from the peril of rising flood waters, which is not covered under standard home insurance policies.
For homeowners in high-risk flood zones (1 in 100 year risk zones), flood insurance is required by mortgage lenders, ensuring that you have the necessary coverage to safeguard your home.
In low-risk flood zones (1 in 500 year risk zones), flood insurance is optional. However, it still offers valuable protection for homeowners in these areas, giving them peace of mind against potential flood damages.
Flood insurance offers different coverage types, including building coverage, content coverage, temporary living expenses, and detached structure coverage. This allows homeowners to tailor their coverage based on their specific needs and level of risk.
Flood insurance includes coverage for temporary living expenses, providing additional money to pay for accommodations and food when homeowners are displaced from their homes due to flood damage.
By obtaining an elevation certificate, homeowners in high elevation areas can prove their lower flood risk to insurance companies, potentially qualifying for discounts on their flood insurance rates.
Whether you're looking for more information about our products or services, or you have a specific question about your coverage, we're here to help.
Florida does not require flood insurance, but if you live in a designated flood zone, your mortgage lender may require you to have flood insurance as a loan condition.
Yes, you can purchase flood insurance regardless of whether you're in a high-risk flood zone or not. Many flood-related losses occur in areas that are not considered high-risk zones.
You can purchase flood insurance anytime, but there's usually a 30-day waiting period before the coverage becomes effective. However, exceptions exist, such as when purchasing insurance for a new loan, where the waiting period may be waived.
A quote is not an insurance contract, it is only a premium proposal.