Flood Insurance

Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters. Costs vary depending on how much insurance is purchased, what it covers and the property’s flood risk.

All policy forms provide coverage for buildings and contents. However, you might want to discuss insuring personal property with your agent, since contents coverage is optional. Typically, there’s a 30-day waiting period from the date of purchase before your policy goes into effect. That means now is the best time to buy flood insurance.

Flood Facts

  • In the past 5 years, all 50 states have experienced floods or flash floods.
  • Everyone lives in a flood zone. To find your zone, Click Here: https://msc.fema.gov/portal
  • In the past 5 years, all 50 states have experienced floods or flash floods.
  • Everyone lives in a flood zone. (For more information, visit our Flood Zones FAQs.)
  • Homeowners insurance does not cover flood damage.
  • If you live in a Special Flood Hazard Area (SFHA) or high-risk area and have a Federally backed mortgage, your mortgage lender requires you to have flood insurance..)
  • Just a few inches of floodwater can cause tens of thousands of dollars in damage.      
  • Flash floods often bring walls of water 10 to 15 feet high. A car can be easily carried away by just 2 feet of rushing water.

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If you have any additional questions please feel free to contact us and one of our representatives will get back to you right away.

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First John Laux Memorial Scholarship recipient

By all accounts, John Laux was a model representative of the industry. John’s decade-long work in the industry was tragically cut short after a brief and hard-fought battle with cancer. He is remembered fondly by all who worked with him. PIA recognized John posthumously with its Company Person of the Year award in 1995, and […]

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