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Flood Insurance

Get a quote and you could save thousands!

Buy Flood Insurance in Miami

Flood insurance Miami Fl is one of the many clauses that are excluded from your homeowners insurance policy. Instead, flood insurance is a standalone policy that provides financial coverage for all kinds of destruction and loss caused to your property by unexpected flood events. If you live in a flood-prone area and have seen the destruction it can cause, you should consider getting a flood insurance policy right away.

What Does Your Flood Insurance Cover?

Flood insurance is meant to protect anything and everything you own, with a few exceptions. This means your home structure as well as everything you have inside it is covered by the insurance. Even your critical systems are covered under the insurance, provided they are not in a basement. You can request a flood insurance quote for Miami before choosing the right plan for you.

In other words, the following things are covered by flood insurance:

  • Most of your in-house appliances
  • Carpets and window curtains
  • Permanent installations around your home, such as cabinets, bookcases, etc.
  • Stairs and foundation walls
  • Clothing, electronic equipment, furniture, and other personal property items
What Your Flood Insurance Doesn’t Cover?

Your flood insurance covers damage caused by floods. However, it may not cover certain things, such as:

  • Avoidable moisture damage that is not related to flood
  • Earth movement damage, even when the flood led to that shake-up
  • An unmaintained building that needs urgent repairs
  • Any loss incurred in business due to a reduction in work caused by flood
  • Automobiles
  • Currency, stock certificates, and other precious valuables

When Should You Purchase Flood Insurance?

You need flood insurance to mitigate any financial threats caused by floods. However, you cannot redeem its benefits instantly. You have to purchase the policy at least 30 days before you are eligible to file a claim (otherwise known as the “grace period”). There are certain exceptions to this rule too, such as for those who can access these benefits from the day they purchase a house. Speak to our team to learn more about this.

Why Choose The Insurance Guy?

We offer you the benefit of choosing from more than one insurance carrier, allowing you to take advantage of the best possible coverage at the lowest rate. We work in association with some of the leading insurance companies in the entire U.S. Many of them specialize in flood insurance, allowing you to get the maximum coverage out of your policy. We can, of course, help you make the right choice among them without breaking a sweat.

Even a few inches of water can surprisingly spring up losses amounting to thousands of dollars. But if you have flood insurance, you can rest easy. You can call us to get a quick personalized flood insurance quote in Miami for your property.

To buy a flood insurance plan right now, call us at (305) 520-9663, and let our experts get you the best protection for your home and all other belongings.

Flood Insurance

Get a quote and you could save thousands!

Want to speak with someone now?

Call us at (305) 520-9663

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