Commercial Insurance Specialty Insurance Home Insurance Auto Insurance Home Page

Flood Insurance


Flood Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Flood Insurance Information

Flood losses are not covered by your homeowners insurance policy.

Did you know...
1. Over a 30 year period your home has a 9% chance of a fire loss and a 26% chance of a flood loss.
2. In 2006 one-third of all claims paid by the National Flood Insurance Program were paid in low-risk communities.
3. The average flood claim paid over the past ten years (1997-2006) was $46,168.

How can you protect your most important investment in case of flooding?

Option 1: Hope that you'll receive Federal disaster relief if a flood hits.
How about a FEMA trailer? Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding. Even if you do get disaster assistance, it's often a loan you have to repay, with interest, in addition to your mortgage loan that you still owe on the damaged property.

Most importantly, you must consider the fact that if your home is flooded and disaster assistance isn't offered, you'll have to shoulder the massive damage costs alone. The bottom line is that if you're looking for secure protection from financial loss due to flood damage, Federal disaster assistance is not the answer.

Option 2: Buy flood insurance and stay protected no matter what.
When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not Federally declared. Flood insurance means you'll be reimbursed for your covered losses. And unlike Federal aid, it never has to be repaid.

In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it's already too late. You will not be insured if you buy a policy a few days before a flood. Don't wait! Give Guest Insurance Agency a call today!