Flood Insurance

High risk and low risk policies available

We offer Flood Insurance Coverage designed for your protection. Are you ready to get a quote for flood insurance? If not, it’s wise to consider it.

Your home and its contents are likely your biggest investment, in both time and money. Repairing and replacing items damaged in even a small flood can easily cost tens of thousands of dollars. Even low-risk areas can incur significant damage.

If you’ve ever experienced heavy snowfall or a sudden, torrential downpour that the ground couldn’t immediately absorb, you were at risk of flooding.

You may have been lucky then, but what about next time? If there’s been new construction or development in the area, you’re also at greater risk, because the ground may not be able to absorb as much water as it used to.

In low-risk areas, you may qualify for a Preferred Risk flood policies

This has lower premiums than the Standard Risk policy and can cost as little as $129 per year for building and contents coverage, depending on the level of flood insurance coverage and deductible you choose.

If your property has been re-mapped into a high-risk flood zone since October 1, 2008, you also may qualify for a Preferred Risk flood insurance policy. Standard Rate policies are also affordable, especially compared to paying out of pocket for heavy losses.

Renters, as well as homeowners, need flood protection

Renters also need flood insurance. Remember that the value of your possessions, especially if you have electronics, adds up fast. A contents-only flood insurance policy will protect you for up to $100,000.

Do yourself a favor and get a quote today to find out how much a flood insurance policy will cost you. A quote is FREE, and you’re under no obligation to buy.

Policy Rates

Below you’ll find a sampling of policy premiums for different amounts of coverage. If you have any additional questions or are ready to purchase flood insurance, you can contact an agent.

Moderate-To-Low Risk
Residential: Preferred Risk Policy (PRP) (zones B, C, X)

  Annual Premium2,3 Annual Premium2
Coverage Without Basement or Enclosure6
With Basement Coverage or Enclosure Coverage Contents Above Ground7 All Other Locations8
$20,000 / $8,000 $162 $174 $8,000 $55 $129
$30,000 / $12,000 $198 $209 $12,000 $120 $183
$50,000 / $20,000 $258 $267 $20,000 $161 $240
$75,000 / $30,000 $301 $313 $30,000 $185 $281
$100,000 / $40,000 $333 $344 $40,000 $204 $312
$125,000 / $50,000 $349 $366 $50,000 $224 $334
$150,000 / $60,000 $371 $388 $60,000 $244 $356
$200,000 / $80,000 $405 $427 $80,000 $267 $390
$250,000 / $100,000 $430 $458 $100,000 $291 $414

Rates effective January 1, 2013
1Add the $50.00 Probation Surcharge, if applicable.

For High Risk, call agent

Look into some peace of mind by getting a FREE flood insurance quote by calling 713-973-7602 or 281-850-1174 (cell) email at sales@policy4you.com  or  Apply For ONLINE


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