FLOOD INSURANCE
Most home policies exclude flood entirely, and most flood policies take 30 days to take effect. That means the day you decide you need it is usually the day it's already too late.
We check the flood risk at your address, compare what's available for your area, and put the policy in place with time to spare. Then we review it every year, because flood maps change and so does your risk.
What every homeowner should know
Standard home insurance excludes flood damage. Flood insurance is a separate policy that protects your home and belongings from rising waters, heavy rain, or storm surges. Without it, you're responsible for all costs.
They sound similar but are treated very differently. Flood damage occurs when water enters your home from outsidesources, like rising rivers or storm surges. Water damage happens inside your home, such as a burst pipe or overflowing washing machine, and is typically covered by home insurance.
Flooding can happen anywhere, not just in coastal or high-risk areas. Even if you're not in a flood zone, one storm is enough. Flood insurance is for everyone.
Coverage Comparison
WHAT IT COSTS
What's out, and how to pay less.
$1,000–$4,000+
per year
$400–$800
per year
from $300
per year
You pay the first $6,000. Raising or lowering that percentage changes your premium we'll show you both numbers before you decide.
$50,000
$50,000
$50,000
$50,000
$50,000
Government-backed coverage with standard limits and a 30-day waiting period.
May offer higher limits, additional coverage, and shorter waiting periods.
You pay the first $6,000. Raising or lowering that percentage changes your premium we'll show you both numbers before you decide.
WHY IT MATTERS HERE
In storm-prone regions, heavy rain, tropical systems and rising groundwater make flood insurance less a luxury than a necessity, tropical storms, and heavy rainfall, flood insurance isn't a luxury it's a necessity.
Heavy rain can overwhelm drainage systems
Hurricane storm surge can reach far inland
Rising groundwater can flood homes
Even "low-risk" areas experience flooding
#1
$25,000
20%+
$50,000+
FREQUENTLY ASKED QUESTIONS
Still not sure? Call a Bezzure Agent
Flood insurance is mandatory if you live in a high-risk flood zone and have a federally backed mortgage. Even if it's not required, it's highly recommended — and we'll check your property's flood zone before you decide, so the choice is based on your actual risk and not a guess.
Flood insurance covers structural damage to your home such as walls, flooring, and electrical systems as well as personal belongings like furniture and appliances, caused by outside water entering the home from events like storm surges or flash floods. This is different from water damage, which comes from inside sources like a burst pipe or leaking appliance.
Flooding can happen anywhere, not just in high-risk zones. More than 20% of flood claims come from properties outside high-risk areas. We'll check your address, tell you what zone you're actually in, and help you decide from there.
Most flood insurance policies have a 30-day waiting period, so don't wait until it's too late to get coverage.
Tell us where you live and our team will check your flood zone and come back with the right coverage for your budget.
