Flood Insurance Quote Forms
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Flood Insurance Information
A standard homeowners insurance policy does not cover damage caused by floods or storms. Flood insurance is a separate policy that can be purchased to provide financial protection from damages occurred during a flood.
We’re here to help you understand your flood risk. Call Automatic Insurance today for a free quote.
What Does Flood Insurance Cover?
Although individual policies may vary. Here are two coverages typically included in a flood insurance policy:
Contact Automatic Insurance in Florida for more information on the coverage we offer.
Who Needs Flood Insurance?
The amount of flood insurance you need depends on the flood risk in your area. The Federal Emergency Management Agency (FEMA) determines how susceptible specific properties are to flooding by assigning each area a flood zone risk designation. According to FEMA, high-risk flood zones have a 25% chance of flooding at least once in thirty years.
Florida has many of the highest risk flood zones in the United States. Homeowners in Florida with a federally backed mortgage and who live in a high-risk flood zone are required to purchase flood insurance. But flood insurance may be a good idea—even if it isn’t required. In fact, over 20% of FEMA’s total flood insurance claims come from areas that have been deemed low- to moderate-risk.
You can view the flood risk for your home on FEMA’s flood map page.
Who Can Buy Flood Insurance?
You don’t have to live in a high-risk flood zone to purchase flood insurance. Any homeowner or renter can buy flood insurance in Florida through the National Flood Insurance Program (NFIP) or from a private insurer.
- Structural damage occurring to the structure of your home or to other permanent fixtures (e.g., electrical systems, plumbing)
- Content damage resulting from the damage or destruction of personal items within your residence (e.g., clothes, furniture)
Understanding your risk is essential to protect your home. Contact Automatic Insurance in Deerfield Beach, Florida, for more information.
We’re here for you! With 30 years of experience in southern Florida, we know what it takes to protect your home. Call Automatic Insurance today for a free quote.