If you’re like most people, your home is your most valuable asset and should be protected. Flood Insurance is one of the most important insurance policies you could ever own, and The Flood Insurance Guru will help you find the best product at the best price.
It’s important to understand that no two flood insurance policies are created equal. Different insurance companies offer different levels of coverage and have different conditions and limitations.
If you’re not using a flood insurance agency like us, it can be hard, if not impossible to tell the difference between two policies.
The Difference in Flood Insurance Options
National Flood Insurance Program
Federal government program
- Building coverage up to $250,000
- Contents coverage up to $100,000
- No additional living expenses
- All rates are the same
Private Flood Insurance
Private flood insurance companies
- Building coverage up to $5 million
- Contents coverage up to $` million
- Additional living expenses are available
- Each company has different rates
Flood Insurance Coverages
This coverage covers only the actual structure or building
This coverage covers your personal belongings like clothing, furniture, and appliances
Additional Living Expenses
This coverage will cover the expenses of a temporary place to live while your home is being repaired or replaced
I received a very high quote from my insurance agent through the NFIP. My loan officer pointed me in the direction of The Flood Insurance Guru. They got me a low-cost policy that actually exceeds the required building coverage that was required. I doubt I will ever have to use it, but they got me covered on flood insurance that is required on my property at a price that doesn't make me regret buying the house.
Start Process of Getting Flood Insurance Now
Step 1: Fill out the flood insurance request below
Step 2: Speak with a flood education specialist about the flood insurance problems you are having
Step 3: Pick the flood insurance option that best fits your needs
Step 4: Get back to the important things in your life