Top Rated Flood Insurance on the South Coast
What does flood insurance cover?
Flood insurance protects your property from damage caused by rising waters, heavy rains, coastal storms, and overflowing rivers. A standard policy typically covers:
Structural damage to your home, including the foundation, electrical, and plumbing systems
Built-in appliances like refrigerators, stoves, and dishwashers
Flooring, wall surfaces, and insulation
Detached structures such as garages
Personal belongings like furniture, clothing, and electronics (depending on the policy)
We’ll help you find the right flood insurance policy to safeguard your home and belongings from unexpected disasters.
Is flood insurance required?
In many cases, yes. If you live in a high-risk flood zone and have a federally regulated or insured mortgage, flood insurance is typically required by your lender.
Even if it’s not mandatory, we highly recommend flood insurance for homeowners because floods can happen anywhere — not just in designated high-risk areas.
Our team would be happy to review your specific situation, explain your flood risk, and help ensure you’re protected — whether it’s required or simply the smart thing to do.
What does flood insurance not cover?
While flood insurance is a critical layer of protection, it doesn’t cover everything. Typical exclusions include:
Damage caused by moisture, mildew, or mold not directly related to a flood
Temporary housing or additional living expenses
Cars and other vehicles
Currency, precious metals, and valuable paper documents
Landscaping, patios, and pools
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