Flood quote | Naples | Arnold and Barton insurance

Flood Insurance

Flood & Home insurance

The majority of homeowner policies exclude rising water. Flood insurance is a separate policy that can cover the building and the contents of your most valuable financial assets like home or business.

Floods are known to happen anywhere, just a few inches of floodwater can cause up to $20,000 in damages. A flood is a cause of a rising body of water like a lake or beach due to a natural disaster. Rain damage from a storm or hurricane is separate coverage.

What is flood insurance?

What effects flood insurance cost:

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Your flood zone

Floods occur naturally and can happen almost anywhere. FEMA uses a flood map as a tool to keep track of areas prime to floods

and is updated every few years which can fluctuate rates.

(Click here for FEMA map)

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Coverages

(building or content coverages)

For residential properties, you can secure coverage up to $250,000 for the building and $100,000 for the building contents

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Deductible

Building and content policies have separate deductibles for each. This means that if your building and contents are both damaged due to a flood event, both deductibles are applied.

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Rating factors

Multiple flood types — river overflow, storm surge, coastal erosion, and heavy rainfall. The age and design for your structure.

Extra information

Waiting period for your coverage:

Typically, there’s a 30-day waiting period from date of purchase until your flood insurance policy goes into effect. Unless the escrow or mortgagee is paying then the flood policy is effective on that date it was bound without a waiting period.