Flood Insurance

Living in the midwest means living with all that mother nature has to offer

Flooding, unlike other dangerous elements is not specific to a particular season or area. Flooding can occur antwhere, that’s why every home and business owner should consider

Why do I need flood insurance

Many people find out too late they are at risk for flooding, and even worse, that their property insurance does not cover flood damage. In fact, according to the National Flood Insurance Program, flooding occurs in every state and 25% of all floods occur in low-to-moderate risk areas. In addition, a regular home owner’s policy does not cover flood damage and most people are surprised to find how affordable Flood insurance is.

Many people find out too late they are at risk for flooding, and even worse, that their property insurance does not cover flood damage. In fact, according to the National Flood Insurance Program, flooding occurs in every state and 25% of all floods occur in low-to-moderate risk areas. In addition, a regular home owner’s policy does not cover flood damage and most people are surprised to find how affordable Flood insurance is.

What can Flood insurance offer me?

Flood insurance can offer:

Building Coverage – Covers damage to your dwelling and items such as the furnace and water heater.
Contents Coverage – Covers your furniture, rugs, appliances and clothing (subject to limitations in basement areas).
Property Protection – Pays for sandbagging and other expenses for preventing flood damage.
Clean-Up Reimbursement – Covers costs of cleaning your home and removing debris after a flood.

Is my house in a flood zone?

Click here to visit FloodTools.com, a database that covers over 100 million US residential addresses.

More Personal Insurance Links

Auto

We provide coverage for most types of vehicles. We coordinate your insurance program to include your home, business, and other property.

Renters

One of the first things most renters learn after a disaster such as a fire consumes their home is that the landlord is not responsible for much of anything unless criminal neglect can be proven. And usually, it can’t be. While the landlord is no doubt insured, in most cases, his insurance only covers the structure of the building.

Other Motorized Vehicles

Our coverages for vehicles other than cars and trucks is extensive. Find information here about insuring your motorcycle, rv, boat/watercraft, classic car or antique auto.

Umbrella

An umbrella is the term for a liability policy that fits over your primary policies on an excess basis and sometimes provides protection that is not available under your primary coverage. If you don't have enough primary coverage, any shortage may have to come out of your personal assets unless you have an umbrella policy.

Home/Dwelling

Your home may be be your most expensive life purchase. With that much money and many possessions at stake, it’s a good idea to make your homeowners policy purchase one of your primary tasks when buying a home.

Flood

Anywhere it rains, it can flood. A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow. Just because you haven’t experienced a flood in the past, doesn’t mean you won’t in the future.

Beyond Insurance.

Frequently people go for years without reviewing their insurance program, even though life quickly changes. By answering a few questions, you can have the peace of mind knowing that your family and possessions are protected.