Flood Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Flood Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Flood Insurance Information
There's something you should know: Flood losses are not covered by your homeowners insurance policy.
Floodwaters have the power to damage not only your home and sense of security, but also your financial future. How can you protect your most important investment in case of flooding?
Option 1: Hope that you'll receive Federal disaster relief if a flood hits.
Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding. The truth is that Federal disaster assistance is only available if the President formally declares a disaster. Even if you do get disaster assistance, it's often a loan you have to repay, with interest, in addition to your mortgage loan that you still owe on the damaged property.
Most importantly, you must consider the fact that if your home is flooded and disaster assistance isn't offered, you'll have to shoulder the massive damage costs alone. The bottom line is that if you're looking for secure protection from financial loss due to flood damage, Federal disaster assistance is not the answer.
Option 2: Buy flood insurance and stay protected no matter what.
When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not Federally declared. Flood insurance means you'll be reimbursed for all your covered losses. And unlike Federal aid, it never has to be repaid.
In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it's already too late. You will not be insured if you buy a policy a few days before a flood.
Click here to view the Summary of Flood Coverage
prepared by the National Flood Insurance Program to help you understand flood insurance policies.
Top Ten Facts every consumer needs to know about the National Flood Insurance Program (NFIP)
1. Everyone lives in a flood zone.
- You don't need to live near water to be flooded.
- Floods are caused by storms, melting snow, hurricanes, and water backup due to inadequate or overloaded drainage systems, dam or levee failure, etc.
2. Flood damage is not covered by homeowners policies
- You can protect your home, business, and belongings with flood insurance from the National Flood Insurance Program.
- You can insure your home with flood insurance for up to $250,000 for the building and $100,000 for its contents.
3. You can buy flood insurance no matter what your flood risk is.
- It doesn't matter whether your flood risk is high or low. You can buy flood insurance as long as your community participates in the NFIP.
- And, it's a good idea to buy even in low-risk areas: between 20 and 25 percent of all flood insurance claims come from low-risk areas.
4. The low-cost Preferred Risk Policy is ideal for homes and businesses in low- to moderate-risk areas.
- Homeowners can insure buildings and contents for as little as $112 per year.
- Business owners can insure building and contents for as little as $500 per year.
- Residential renters can insure contents for as little as $39 per year.
5. Flood insurance is affordable.
- The average flood insurance policy costs a little more than $400 a year for about $100,000 of coverage.
- In comparison, a $50,000 disaster home loan can cost you about $240 a month at 4 percent interest over 20 years.
6. Flood insurance is easy to get.
- You can buy NFIP flood insurance from private insurance companies and agents; call West Town Insurance Agency today!
- You may be able to purchase flood insurance with a credit card.
7. Contents coverage is separate, so renters can insure their belongings too.
- Up to $100,000 contents coverage is available for homeowners and renters.
- Whether you rent or own your home or business, make sure to ask your insurance agent about contents coverage. It is not automatically included with the building coverage (Except under the Preferred Risk Policy).
8. Up to a total of $1 million of flood insurance coverage is available for non-residential buildings and contents.
- Up to $500,000 of coverage is available for non-residential buildings.
- Up to $500,000 of coverage is available for the contents of non-residential buildings.
9. There is usually a 30-day waiting period before the coverage goes into effect.
- Plan ahead so you're not caught without flood insurance when a flood threatens your home or business.
10. Federal disaster assistance is not the answer.
- Federal disaster assistance is only available if the President declares a disaster.
- Flood insurance pays even if a disaster is not declared. It's just good sense.
Let an agent at West Town Insurance Agency help you find comprehensive coverage for your home or business. Call us
to discuss your need for flood insurance.