Flood Insurance

Flood insurance coverage provides protection for destruction and financial devastation caused by floods. Although it may not seem like much, even a few inches of water can cause serious damage resulting in thousands of dollars in repair and restoration costs.

Homeowner’s insurance does not typically cover flood damage—however flooding is ranked the #1 natural hazard in the U.S., occurring in and causing damages in all 50 states. Purchasing flood insurance, or more specifically, a flood insurance policy through State to State Insurance can protect you.

Although it may not seem as necessary as homeowners insurance, flood insurance is important if you want to keep your home safe and your possessions secure. Flood insurance offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.

Different types of flood insurance policies are available based on your property’s location and flood history:

Standard Flood Insurance Policies

If you live in a community that participates in the National Flood Insurance Program (NFIP), your building and its contents can be covered by standard flood insurance. NY, NJ and PA residents should be aware that the NFIP was established by the Federal Government to help communities who “voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a standard flood insurance policy.

Preferred Risk Flood Insurance Policies

If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost preferred risk policy. While you aren't required to purchase flood insurance, NY, NJ and PA residents in low-to-moderate risk areas, should consider a preferred risk policy which will protect your home and its contents if you are affected by a small flood or a larger flood that has extended into your low-risk area. In truth, many flood insurance claims occur in low-to-moderate risk areas.

Don't wait until it's too late. From covering overall structural losses to your personal property, we help protect the things that matter most to you with dependable flood insurance.

There’s no reason why you should place your home and livelihood at risk. Contact State to State Insurance today; we’ll get you on the path to superior flood protection with an affordable and comprehensive flood insurance policy.