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Affordable Flood Insurance Solutions

Don't wait until you're under water to act, get a quote today!


Flood insurance goes beyond the coverage of a standard homeowners insurance policy and protects you from more severe types of water damage, like heavy rain, melting snow, and severe coastal storms. A flood is defined by the National Flood Insurance Program as: A general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mud-flow.

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Our Markets

National Flood Insurance
Neptune Flood
Lexington Flood

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What Does Flood Insurance Cover?

Building Coverage

Contents Coverage

What is Covered

  • The insured building and its foundation
  • The electrical and plumbing systems
  • Central air conditioning equipment, furnaces, and water heaters
  • Refrigerators, cooking stoves, and built-in appliances such as dishwashers
  • Permanently installed carpeting over an unfinished floor
  • Permanently installed paneling, wallboard, bookcases, and cabinets
  • Window blinds
  • Debris removal

Areas Below Lowest Elevated Floor

  • Foundation walls, anchorage systems, and staircases attached to the building
  • Central air conditioner
  • Cisterns and the water in them
  • Electrical outlets, switches, and circuit breaker boxes
  • Fuel tanks and the fuel in them, solar energy equipment, and well water tanks and pumps
  • Furnaces, water heaters, heat pumps, and sump pumps The following items are covered in basements only:
  • Drywall for walls and ceilings
  • Non-flammable insulation

What is Covered

  • Personal belongings such as clothing, furniture, and electronic equipment
  • Curtains
  • Portable and window air conditioners
  • Portable microwave ovens and portable dishwashers
  • Carpets not included in building coverage
  • Clothes washers and dryers
  • Food freezers and the food in them
  • Certain valuable items such as original artwork and furs

Areas Below Lowest Elevated Floor

  • Washers and dryers
  • Food freezers and the food in them (but not refrigerators)
  • Portable and window air conditioners

What Isn't Covered? Examples of Uncovered or Excluded Property

  • Damage caused by moisture, mildew, or mold that could have been avoided by the property owner.
  • Living expenses such as temporary housing.
  • Most self-propelled vehicles such as cars, including their parts.
  • Currency, precious metals, and valuable papers such as stock certificates.
  • Property and belongings outside of a building such as trees, plants, shrubs, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs, and swimming pools.
  • Financial losses caused by business interruption or loss of use of insured property.
  • Any damage caused by seepage, or any sub-surface water flow, a condition of flow of water beneath the earth’s surface.