Flood Insurance
Natural disasters are unpredictable.
Know you’re always covered with flood insurance
Do I Need Flood Insurance?
If You Live In a Flood Zone
If You Don’t Live in a Flood Zone
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 insurance policies to find the top choice customized just for you. We’ll show you the best choices and put the power of information right in your pocket.
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 insurance policies to find the top choice customized just for you. We’ll show you the best choices and put the power of information right in your pocket.
How Much Does Flood Insurance Cost?
Flood Risk Rating
Every home has some form of risk, scaled from low, moderate, and high. Flood risks can be associated with the home's location within a floodplain and whether your home is 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.
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.
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.
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.
Flood Risk Rating
Every home has some form of risk, scaled from low, moderate, and high. Flood risks can be associated with the home's location within a floodplain and whether your home is 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.
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.
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.
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!
What Are the Different Types of Flood Insurance?
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.
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.
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.
Find your perfect policy today!
What Is Covered Under Flood Insurance Policy
- 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
Need Flood Insurance? We’re ONIT
Weather can change in an instant. Know your home is covered with reliable flood insurance from ONIT Home.
Get started today!
Need Flood Insurance? We’re ONIT.
Weather can change in an instant. Know your home is covered with reliable flood insurance from ONIT Home.
Get started today!