# Flood Insurance

> Learn what flood insurance generally covers and how an independent Florida agency can help you review options and request a quote.

We help Florida property owners and renters understand their flood insurance options, compare what is available, and request a quote.

[Get a Quote](https://www.quoteasy.com/get-a-quote/)

## What flood insurance covers

Flood insurance is generally a separate policy that helps protect a building, its contents, or both from damage caused by flooding. Standard homeowners and renters policies often do not include flood damage, so it is worth reviewing your policy. Coverage, limits, waiting periods, and availability vary by property, insurance company, and program.

## Why work with an independent agent

An independent agency is not tied to a single insurance company.

- **More than one option**: We can review the flood options available through the insurance companies and programs we work with. Available options depend on your property and underwriting.
- **Coverage explained**: We walk through limits, deductibles, waiting periods, and exclusions in plain language, so you know what a policy says.
- **Support as things change**: A move, a renovation, or a change to your mortgage can change what you need. We can help you review your policy when your situation changes.

## Flood insurance questions

### Does homeowners insurance cover flooding?

Standard homeowners policies often exclude flood damage. Flood coverage is usually a separate policy, so an agent can review your current coverage with you.

### Is flood insurance required?

A lender may require flood insurance if the property is in a designated high-risk flood area and the mortgage is federally backed or regulated. Requirements vary, and an agent can explain what may apply to you.

### Can I buy flood insurance at any time?

Many flood policies include a waiting period before coverage begins, so it is best not to wait until a storm is forecast. Waiting periods and availability vary by program and insurance company.

### What affects the cost of a flood insurance policy?

Insurers commonly consider factors such as the property's location and flood risk, the building, the coverage amounts and deductibles you choose, and other rating factors. We cannot predict a specific price before a quote is prepared.

### How do I get a flood insurance quote?

Complete the quote request form or contact us, and an agent will follow up to review your information and options. Quotes and coverage are subject to underwriting and the terms of the insurance company or program.

## Ready for a flood insurance quote?

Tell us about your property and an agent will help you review your options.

[Get a Quote](https://www.quoteasy.com/get-a-quote/)

Source: https://www.quoteasy.com/personal/flood-insurance/