Protect Your Home and Property from the Unexpected
Flooding can be one of the most destructive and costly natural disasters, and most standard homeowners or renters insurance policies do not cover flood damage. Even areas that aren’t considered high-risk can experience flooding due to heavy rains, snowmelt, or unexpected drainage issues. At INSight Partners, we help you protect your home, condo, business, or rental property with specialized flood insurance coverage.
Why Flood Insurance Matters
Flood damage can devastate families and businesses, destroying personal belongings, appliances, and structural components of your property. While federal assistance programs exist, they may not fully cover your losses. Flood insurance ensures you can recover quickly and get back on your feet without bearing the full financial burden alone.
Choosing the Right Policy
Flood insurance depends on factors like property type, location, flood zone risk, and contents inside the building.
Our risk advisors work with multiple carriers to compare policies and create a coverage plan that fits your property and budget. We’ll also guide you through the application process to ensure you have the right level of protection.
Common Flood Insurance Coverages
- Building Coverage – Protects the structure of your home or business, including walls, flooring, built-in appliances, and permanent fixtures.
- Personal Property Coverage – Covers furniture, clothing, electronics, and other personal belongings damaged or lost due to flooding.
- Replacement Cost Coverage – Ensures damaged items are replaced at current market value rather than depreciated value.
- Excess or Optional Coverage – Provides additional protection beyond standard limits, depending on your location and needs.
