Flood Insurance

Floods can come from many sources, and they’re not covered by Homeowners Insurance.

You don’t have to own waterfront property to need flood insurance.  High water can happen where you least expect it.  Not every flood comes from a hurricane, tidal surge, or raging river.  Increased development, clogged or insufficient storm drains, spring thaw, and excessive rain, ice or snow all contribute to unexpected flooding.  Just a few inches of water from a flood can cause tens of thousands of dollars in damage.

What most people fail to realize – until it’s too late – is that homeowners insurance does not cover floods.

Enter flood insurance.

Whether you live in a home, condo, co-op, or apartment, or own a business, Hometown Insurance Agency can provide you with a flood insurance policy backed by the federal government.  Flood insurance can be more affordable than you think.  Just ask us for a free, no-obligation rate quote.

Flood Insurance Offers You:

  • 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.

There is a mandatory 30-day waiting period (beginning on the date of purchase) before your new flood insurance policy becomes effective.  Your policy won’t provide any coverage until that 30-day period passes.  Don’t wait until the waters begin to rise.  If you’ve been thinking about flood insurance, now is the time to buy it.

Get Your Flood Quote Today