Do You Have Flood Insurance | New Frontier Insurance

Do you have flood insurance? Many homeowners believe that their standard policy covers floods, but the reality is that most policies do not include flood protection. Whether you live in a high-risk area or not, this can be a crucial safeguard for your home and belongings.

1. What is Flood Insurance?

This is a separate policy that covers damage caused by flooding, including water damage from heavy rains, hurricanes, overflowing rivers, and storm surges. It’s not included in standard homeowners or renters insurance policies.

2. Who Needs This?

✔️ Homeowners in flood-prone areas: If your property is in a FEMA-designated high-risk zone, coverage may be required by your mortgage lender.
✔️ Renters: Even if you don’t own your home, you can purchase this to protect your personal belongings.
✔️ Businesses: Commercial insurance helps businesses recover from damage.
✔️ Anyone in moderate-to-low risk areas: Over 20% of claims come from outside high-risk zones.

Use FEMA’s Map to determine your risk level: FEMA Flood Insurance Guide.

3. What Does it Cover?

🛠 Building Coverage – Includes damage to walls, floors, electrical systems, plumbing, and major appliances.
📦 Contents Coverage – Covers personal belongings like furniture, electronics, and clothing.
⚠️ Not Covered – Temporary housing, landscaping, and damages from sewer backups unless directly caused by flooding.

4. How Much Does it Cost?

The cost depends on:
🏡 Property location and risk.
💰 Coverage limits and deductible amount.
📄 Whether your community participates in FEMA’s National Flood Insurance Program (NFIP).

It can be surprisingly affordable, especially in lower-risk areas.

5. How to Get Flood Insurance

📞 Contact an agent – Not all companies offer this, so speak with an expert.
🏡 Check NFIP options – If your community participates, you may be eligible for federally backed policies.
🔎 Compare private insurance – Some private insurers provide more coverage than NFIP policies.

For more information, visit FEMA’s Flood Insurance Guide.

Conclusion

Do you have flood insurance? If not, you may be at risk of costly damage that isn’t covered by standard homeowners insurance. Protect your home, belongings, and finances today. For customized solutions, contact New Frontier Insurance.