The Things You Want to Think About When Getting a Flood Insurance Quote

Flood Insurance Quote

Adverse weather is something all Floridians must endure. We have tremendous amounts of rain and are frequently threatened by hurricanes. These events can cause significant flooding to your home. 

Most people assume that their homeowners insurance will cover everything. This is not true and you must purchase flood insurance separately. Finding the right policy can be tricky. Here are some things you want to consider when getting a flood insurance quote in Florida

The NFIP vs. Private Flood Insurance

The National Flood Insurance Program (NFIP) was started in 1968. It gives homeowners an affordable way to purchase flood insurance. The NFIP sets limits in coverage of up to $250 thousand for your property and $100 for personal belongings. 

Anything beyond these amounts must be purchased through an additional policy in a private insurance carrier. These companies will fill the holes that the NFIP does not cover. 

We can help you to address any holes and what to look for when searching for private flood insurance. Lots of companies are available and you want to find one that can give you the maximum amount of protection. 

What is Not Covered?

Flood insurance does not cover certain things. A few of the different areas that are not covered include

  • Damages from mold, moisture, and mildew that can be prevented. 
  • Mudslides and anything that is caused by the movement of the soil in the Earth. 
  • Outdoor structures such as decks, patios, landscaping, swimming pools, and greenhouses.
  • The cost of living expenses in the event you are displaced by the flooding. 

All of these factors are something you need to think about when getting your flood insurance quote. We can help you to find additional coverage for these areas or let you know what is covered by your homeowners insurance. 

What Factors Impact the Costs of Flood Insurance?

The average cost for flood insurance through the NFIP is $700. Other factors will play a role in the amount you are paying if you live in other areas. Some of the different factors that will decide the costs include

  • The deductable
  • Age of your home and construction
  • If you live in a flood zone or high flood risk areas
  • Coverage limits

Private carriers will look at these factors to decide the premium you will pay to get protection against flooding. 

We can help you to understand how the premium is calculated based on where you live and your home. Our team will give you objective information to find the best coverage. 

Putting It All Together

These are some of the things you want to consider when getting a flood insurance quote in Florida. Contact us today and let us explain what is involved and how you can find the best quotes. Flood insurance is tricky and you want to speak with an expert that will assist you in the getting right amount of coverage for your home.

This is how you protect your home against flooding and prepare for any uncertainties before they happen. Don’t get caught at the last minute when you can start looking now at different quotes. 


Does flood insurance cover damages for bursting pipes and sewers?

Your flood insurance doesn’t cover things like bursting pipes and sewers. You want to consider these events when looking at a flood insurance quote in Florida. 

What factors will affect my quote for private flood insurance?

Several factors will influence a flood insurance quote in Florida including where you live, the age of your home, and coverage limits. We can help you to understand how these will affect your quote.