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Who should have flood insurance?

Flooding is a devastating natural disaster. In the last few years, flooding has occurred in places that have never experienced flooding before. Starting this month, the Federal Emergency Management Agency’s National Flood Insurance Program’s pricing model will take into consideration a property’s unique flood risk factoring in climate change. If you haven’t considered purchasing flood insurance before, this might be the right time to get a free quote from an Insurance Solutions advisor.  

Flooding isn’t usually covered by a standard homeowners policy. Instead, you’ll need to purchase a separate flood insurance policy. It is important that you assess your risk level. What is the chance that your location will experience flooding? In the last few years, cities and towns across the country have been hit by what is referred to as 100-year floods. They usually only have a 1% chance of it happening in any given year.  

Many South Carolinians live on or near a lake, river, beach or other high-risk area where it’s worth considering flood insurance even if your mortgage company doesn’t require it. Insurance Solutions is happy to help explain more about this important coverage. It is sold in two parts; property and contents. Homeowners can purchase one or both parts.

Anyone who thinks they need flood insurance and who lives in a participating community is eligible to purchase it. Flood Insurance is typically purchased through the National Flood Insurance Program. Insurance Solutions offers coverage through the National Flood Insurance Program but also has access to several private carriers that may be able to offer expanded coverages and more competitive rates. If you are interested in a quote, Insurance Solutions has a team of insurance specialists who are ready to help you. 

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