Flood Insurance That Keeps You Covered When It Matters Most
Standard home insurance doesn’t cover flood damage, which is why flood insurance is essential for protecting your property. Whether you’re in a designated floodplain or simply want peace of mind during Southern Illinois’ rainy seasons, we help you secure the coverage that fits your home’s flood risk. Flooding can happen from heavy rain, overflowing rivers, or rapid snowmelt—and the damage can be financially devastating without a dedicated policy.
Why Flood Insurance Is Worth Considering
Flood insurance typically covers structural damage to your home, including the foundation, electrical and plumbing systems, HVAC, and appliances. It can also cover personal belongings such as furniture, clothing, and valuables—depending on your coverage level. We’ll help you understand FEMA flood zones, policy limits, and whether you need private flood insurance or a National Flood Insurance Program (NFIP) option. Our goal is to protect you from a risk that many homeowners don’t think about until it’s too late.
What Flood Insurance Actually Covers
Whether through the National Flood Insurance Program (NFIP) or private carriers, we make sure your foundation, floors, appliances, and personal items can be protected if disaster strikes.
Typical Coverage Includes
Building Coverage
Covers the structure, walls, electrical, HVAC, and built-in features like cabinets and flooring.
Contents Coverage
Covers personal items such as clothing, furniture, electronics, and appliances inside your home.
Loss Avoidance Coverage
Some policies include reimbursement for preventative measures like sandbags or pumps.
Flood Insurance FAQs
Is flood insurance included in my homeowners policy?
No. You need a separate policy to be protected against flooding. We’ll help you find the right option.
Do I need flood insurance if I’m not in a flood zone?
Yes. Over 25% of flood claims come from outside high-risk areas. Policies are usually cheaper in low-risk zones.
Is there a waiting period?
Yes. Most policies have a 30-day waiting period before coverage takes effect, unless required by a mortgage.
Can renters or condo owners get flood insurance?
Yes. We can help renters and condo owners get flood coverage for their belongings or units.