Flood Insurance

Natural Disasters Are Unpredictable.

Know You’re Always Covered With Flood Insurance

  • Home insurance doesn’t cover flooding, make sure to have a policy in place today
  • 20% of flood claims are from low to moderate flood zones
  • Floods can happen anywhere at any time, stay protected with a policy!
flooded living room

Do I Need Flood Insurance?

Let’s cut straight to the chase: everyone should have a flood insurance policy. Don’t find out too late that you should’ve had flood insurance! Get coverage before the storm.

If You Live In a Flood Zone

If your home falls into a flood zone, chances are, you’ll be required to have flood insurance through your mortgage lender. This is their means of protecting their loan with you, so you’ll need to find a policy that fits your home and budget.

If You Don’t Live in a Flood Zone

While homes in low-risk flood zones are not required to have flood insurance, it’s always a great idea to widen your home’s safety net and get coverage. Just one inch of water can cause $25,000 in damages, so protect your home today!

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ONIT Home and Goosehead Insurance

Separate the Best from the Rest

We partnered with Goosehead Insurance because time is money. When you work with us, we’ll save you both. Our agents analyze and compare flood insurance policies to find the right choices for you. We’ll show you the top choices and put the power of information right in your pocket.

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How Much Does Flood Insurance Cost?

Finding the right policy at the right price is crucial. Questions like “how much does flood insurance cost” can be answered by considering a few individual factors that affect pricing.

flooded town

Flood Risk Rating

Every home has some form of risk, scaled from low, moderate, to high. Flood risks can be associated with the home's location within a floodplain, whether it's on a hill, or at an elevation. Other factors determining your flood risk include the frequency of flooding in your area, type of flood risk (rainfall, storm surge, overflow from rivers), how close you are to water, and your home’s rebuilding cost.

modern house

Your Home’s Age and How It Was Built

Older homes built before modern construction can affect your price. The materials and building techniques on older properties can put your home at high risk for damages caused by flooding. Additionally, the materials used to repair your home could be more expensive than a newer home.

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Your Insurance Company

Some insurance companies are more expensive than others. Luckily, flood insurance is offered by several companies. This means having more competitive pricing and policies, letting you shop around to find your best flood insurance cost.

modern house

The Coverage You Choose

The type of coverage you select will impact your total cost. Not all coverages are the same. Different policies offer varying levels of protection for unique scenarios. The deductible associated with your flood insurance policy will also determine how much you will pay out of pocket after filing a claim.

Find your perfect policy today!

Call us at 1-800-810-2145 or fill out your information for your digital agent.

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What Are the Different Types of Flood Insurance?

There are two types of flood insurance: dwelling coverage and contents coverage.

Dwelling Coverage

Dwelling coverage is what it says: it covers the dwelling, or structure, of your home. This form of flood insurance covers floors, walls, foundations, the roof, and any other physical portions of your home. So, if you have a water problem that warps your floors and walls, you’re covered! If it damages your belongings, you’re not.

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Contents Coverage

Contents coverage is a policy for your belongings in your home. From furniture, personal items, and appliances, contents coverage protects it all. However, it does not cover flooring/carpeting, that is only covered in dwelling insurance.

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Bundle and Save For More Coverage at a Great Price

Not sure if you need dwelling or contents coverage? Luckily, insurance companies offer both forms of coverage to fully protect your household from flooding. While you can’t stop the water, you can protect your savings and know you have an insurance company taking care of you every step of the way.

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Find your perfect policy today!

Call us at 1-800-810-2145 or fill out your information for your digital agent.

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What Is Covered Under Flood Insurance Policy

Depending on the type of policy or coverage you choose, flood insurance covers household and property damage caused by flooding. This includes damages to:

  • Furnaces
  • Solar panels
  • Water heaters
  • Well water tanks and pumps
  • Personal belongings
  • Refrigerators
  • Built-in appliances (i.e. dishwashers)
  • Washer and dryer
  • Permanently installed cabinets or bookcases
  • Permanently installed carpeting
  • Foundation walls
  • Staircases
  • Detached garage
  • Foundation walls
family with leaking ceiling