A homeowners policy can have many exclusions – some of the biggest exclusions are typically damage from flooding, sinkhole, and earthquake. A separate flood insurance policy is needed to have flood insurance coverage. You may want to consider flood insurance even if your property is not located in a high-risk flood zone. Actually, 20% of flood claims are paid in preferred flood zones. In Florida, it is prudent to have flood insurance, because Florida is flat and is subject to torrential rains caused by low pressure systems, tropical depressions, tropical storms, and hurricanes.
If you’re interested in learning more about flood insurance coverage, contact Florida Insurance Hub. Our goal is to help you manage your flood insurance risks and to protect your assets. Selecting the best insurance coverage for the best value is important. For this reason, Florida Insurance Hub represents over 50 top insurance companies offering solutions to fit individual needs and resources. Florida Insurance Hub is an independent insurance agency serving all of Florida, including Titusville, Melbourne, Panama City, West Palm Beach, Tampa, Naples, Jacksonville, and Miami. We provide personal and commercial insurance quotes for homeowners insurance, auto insurance, flood insurance, umbrella insurance, commercial auto insurance, and business insurance. For a complimentary risk assessment, contact Florida Insurance Hub.