Building protection
Discuss the building and the features that may be eligible for flood coverage.
Flood insurance
Think beyond
the everyday forecast.
Flood coverage deserves its own conversation. Explore how a separate flood policy may fit alongside insurance for your home, rental, or business.
Request a quoteYOUR LIFE, UNDERSTOOD
Understand where one policy ends.
Standard home and renters policies generally exclude flood damage. A separate review helps you discuss the property, belongings, and flood coverage options relevant to your location.
Details worth discussing.
Contents protection
Ask about protection for belongings and whether contents coverage is included or separate.
Limits and exclusions
Review limits, deductibles, basement restrictions, and excluded property or expenses.
Effective dates
Ask when coverage can begin, including any waiting period that applies.
These are general discussion topics. Coverage, availability, limits, deductibles and exclusions depend on the policy and insurer.
A LITTLE PREPARATION
Start with what you know.
- The address and type of property
- Whether you own or rent
- Building and contents information
- Any lender request and desired timing
You can start with general details. An agent can explain which additional information is needed for an application.
A little clarity.
Can renters discuss flood insurance?
Yes. Renters can ask about flood protection for their belongings. Building coverage and contents coverage are different parts of the conversation.
Can a new flood policy always begin immediately?
Waiting periods may apply. Confirm the effective date with an agent and do not assume a new request provides immediate protection.
YOUR NEXT CHAPTER
Let’s consider what’s next.
Start with a short request or a conversation with our team.