Purchasing a home in a flood zone is a big decision and protecting that investment with flood insurance is essential. Flooding is one of the most common natural disasters in the U.S., and unfortunately, standard homeowners insurance doesn’t cover flood damage. But don’t worry—this guide will walk you through how to buy flood insurance, making the process simple and stress-free.
Whether you're looking for private flood insurance options or looking into the NFIP (National Flood Insurance Program), we’re here to help you find the best choice for your home. Let’s dive in!
Step 1: Determine the Flood Risk for Your Property
Before you start shopping, the first step is to find out if your property is in a flood zone. Mortgage lenders often require flood insurance for homes in FEMA high-risk flood zones called “Special Flood Hazard Areas” (SFHAs), which are zones beginning with A or V. Even if your home isn’t in a high-risk zone, you may still want coverage—flooding can happen anywhere.
Our Flood Zone Lookup Tool makes it easy to check your home’s flood zone. This tool provides instant flood zone information to help you make an informed decision. Take a moment to zoom out and assess the area around you. Please note that FEMA flood maps can be years or even decades out of date and might not reflect true flood risk.
Step 2: Understand Your Flood Insurance Options
When it comes to flood insurance, you have two main choices: FEMA’s National Flood Insurance Program (NFIP) or private flood insurance. Understanding the differences between these two programs can help you find the policy you need. Here’s a quick overview:
NFIP: Backed by FEMA, NFIP policies are available in participating communities and offer standardized coverage. Keep in mind that NFIP coverage is capped at $250,000 for the structure of your home and $100,000 for personal belongings. The NFIP also has limitations on what can be covered if you have a basement.
Private Flood Insurance: Private insurers typically offer higher coverage limits and additional options, such as replacement costs for personal property, coverage for temporary living expenses, and basement protection. With private flood insurance, you can customize your coverage to fit your unique needs.
Need help choosing the right option? We offer both! Our flood experts are here to help you compare NFIP flood insurance policies with private flood insurance. Just call us at 866-503-5663, and we’ll guide you every step of the way.
Step 3: Get a Flood Insurance Quote Online
Here’s where we make things simple. At FloodPrice.com, you can get a private flood insurance quote online in minutes. No need to wait for emails or paper forms—you’ll have everything you need to make a quick, informed decision.
Our instant online quote tool makes the process easy by searching the marketplace for you to find the coverage you need at a great price. It compares rates from various insurers, helping you save time and money while ensuring you get the coverage that fits your needs perfectly.
To start, use our quick quote tool to see how much flood insurance would cost for your home. You can quickly complete the entire process online—it's that easy!
Step 4: Choose the Right Coverage for Your Home
With your quote in hand, it’s time to choose the right coverage. Consider these factors:
Your Home’s Value: Compare the dwelling coverage amount on your quote to the value of your home to make sure you have adequate coverage.
Personal Belongings: Decide if you want to add coverage for your home’s contents, as standard homeowners insurance doesn’t cover flood damage to personal items or your dwelling.
Additional Coverage: Private flood insurance can offer flexibility, with options for covering basements, garages, and additional living expenses if you are forced to relocate because of a flood.
Step 5: Purchase Your Flood Insurance Policy
Once you’ve reviewed your options, it’s time to make your purchase. At FloodPrice.com, you can buy a private flood insurance policy online—no need for lengthy phone calls. If your flood policy is escrowed with your lender, we can help bill them so the bank can make the payment.
If you’re interested in an NFIP flood insurance policy, call us at 866-503-5663. We’ll handle the paperwork and help you compare rates to private flood insurance to make sure you’re getting great coverage at an affordable price.
Once you have purchased your flood insurance policy, you can enjoy peace of mind knowing that your home is protected. Flood policies are renewed annually, so be sure that payment is made before they expire. We’ll do our best to send you reminders so you’re less likely to experience a lapse in coverage. If your policy is escrowed, we can also bill your mortgage company so they can make payment on your behalf.
Why Choose FloodPrice.com for Flood Insurance?
Flood insurance is all we do. Our flood experts are here to make buying flood insurance as easy as possible. We offer a streamlined process to save you time and money.
Features and Benefits:
Instant Online Quotes: Get your private flood insurance quote in minutes.
No Waiting for Emails: We deliver quotes instantly online—no waiting for someone to email or call you.
Comprehensive Comparison: Our quote tool shops the private flood insurance marketplace, comparing multiple carriers to find a policy you can afford.
Expert Help: Our flood experts are here to help you find the policy that best fits your needs. We can assist you in comparing costs and coverage options between private flood insurance policies and the NFIP.
Ready to get started? Get your free flood insurance quote now, or call us at 866-503-5663. Your home deserves the best protection, and we’re here to make that happen—quickly and easily.
Buying flood insurance doesn’t have to be complicated. With the right tools and support, you can find an affordable flood policy to protect your home from flood damage. Follow these simple steps, and you’ll be covered in no time.
Ready to take the next step? Use our online quoting tool to find a great price for flood insurance, or call our flood experts at 866-503-5663. We’re here to help you protect your most valuable assets!
