Our Policy Is Great Service. Call Us At 850-994-9211 Today!
The policy covers damage caused by rising water, including your home’s structure and certain personal belongings. Standard homeowners insurance does not cover flood damage, which is why a separate flood policy is essential in Florida.
A flood policy is a separate policy that protects your property from flood damage. Most policies are backed by the National Flood Insurance Program (NFIP), which helps make coverage available in participating communities.
The NFIP is a federal program that provides flood insurance to homeowners, renters, and businesses in participating communities. These communities follow FEMA guidelines to reduce flood risk.
Building coverage includes:
Contents coverage includes:
Flood insurance does not cover land, landscaping, pools, decks, or fences. Coverage for basements and high-value items may also be limited.
RCV pays the cost to repair or replace your home without deducting depreciation. This typically applies to primary residences insured at a certain value.
ACV pays the depreciated value of items at the time of loss. Most personal belongings are covered under ACV.
Flood policies are highly recommended for Florida residents, even outside high-risk flood zones. Many floods occur in moderate- to low-risk areas, and standard homeowners insurance does not provide coverage.
Florida is one of the most flood-prone states due to hurricanes, heavy rainfall, and coastal storm surge. Even a few inches of water can cause significant damage, making flood coverage a critical part of protecting your home.
When you need reliable and affordable flood insurance in Florida, our team is here to help you compare options, understand your coverage, and choose a policy with confidence. To learn more about auto insurance or get a quote in Northwest Florida, Lakeland, and Polk County, call us at 850-994-9211.
We compare policies from
trusted providers to help
you save.
We make insurance easy —
from a free quote to
binding coverage.
Questions? Claims? Changes?
Friendly, knowledgeable agents
who are here when you need us.
Insurance solutions designed
for Florida homes, drivers
and businesses.
Flood policies iare highly recommended in Florida, especially in coastal and flood-prone areas.
Structure and certain belongings.
Flood insurance is required if your home is in a high-risk flood zone and you have a federally backed mortgage.
Varies based on risk and location.
Typically 30 days.
Coastal and FEMA-designated flood zones.
Yes, flood coverage is available in both high-risk and low-risk areas.
To learn more about independent insurance agencies visit the Florida Association of Insurance Agents.