Florida Flood Insurance

Even though flood insurance is relatively inexpensive, most homeowners
do not choose to purchase the insurance protection available. According
to the Federal Insurance Administration, less than one-quarter of the
homes in areas most vulnerable are insured against flood loss. In those
areas, flooding is 24 times more likely to occur than a fire during the
course of a typical 30 year mortgage.

A standard homeowners insurance policy will not cover damages caused
by flooding. You must have flood insurance from an insurer that writes for
the National Flood Insurance Program. If your community participates in a
floodplain management program, you should be eligible to buy the coverage
no matter if your flood risk is low, medium or high. Residents of "coastal
barrier areas" and communities that do not participate in floodplain
management programs may have trouble finding flood insurance coverage.
Florida flood insurance is also available to renters, condominium
owners, and co-op owners.

Flood Perils Include:

Outside of fire, flooding is the most widespread natural disaster. According
to the National Flood Insurance Program, two adjacent properties have to
be under water to call the situation a flood. In a rural area, at least 2 acres
must be submerged.

The two primary types of Florida Flood Insurance Policies are listed below.

Actual Cash Value Policy

The value of property as figured by determining the cost to replace the damaged or
destroyed property and adjusting the replacement value by subtracting an amount
that reflects depreciation. Or in other words, replacement cost minus
depreciation. Homeowners are entitled to a replacement cost value if they live in
their homes at least 80% of the time and have flood insurance coverage for at least
80% of their home's market value.

Commercial and apartment buildings will be covered only for actual cash value.

Replacement Value Policy

The amount it costs to replace or rebuild a damaged property. Replacement cost
coverage is available only for the building portion of a condominium insurance
policy. Owners of single-family homes may be able to buy replacement cost
coverage on the building portions of their flood insurance policies. A Florida flood
insurance replacement value policy will pay only the replacement value up to the
coverage limit. For example, if rebuilding your home will cost $400,000, but you
only purchased $300,000 in coverage, your insurance policy will pay you only
$300,000.

Click on the link below to fill out a secure quote request form for a Florida Flood
Insurance policy that will provide excellent personal insurance coverage at an
affordable cost. Or you can speak with our Florida Flood Insurance specialist at
(352) 686-0612 or (727) 863-5641 to discuss the policy features in more detail.

Click here to fill out a

Florida Flood Insurance

quote request form

We are a Florida based two location insurance agency offering affordable Florida flood
insurance policy premiums in the following cities and counties: Spring Hill, Hudson, New Port
Richey, Holiday, Brooksville, Aripeka, Bayonet Point, Port Richey, Gulf Harbors, Elfers,
Anclote, Tarpon Springs, Palm Harbor, Land O' Lakes, Masaryktown, Garden Grove Esates,
Spring Lake, Weeki Wachee, Bayport, Brooksville, Istachatta, Pineola, Nobleton, Bushnell,
Sumterville, Center Hill, Webster, Linden, Mascotte, Tarrytown, Ridge Manor, Catherine, Trilby,
Lacoochee, Dade City, Blanton, San Antonio, St. Leo, Zephyrhills, Crystal Springs, Wesley
Chapel, Pasco, Darby, Odessa, Richland, Lumberton, Homosassa Springs, Hernando County,
Pinellas County, Citrus County, Hillsborough County, and Pasco County, FL. We can also
offer our Florida flood insurance coverage services throughout the Sunshine state, including in
Winter Haven, Lakeland, Miami, Orlando, Tampa, St. Petersburg, Tallahassee, Ft. Lauderdale,
and Jacksonville, FL.

The washing away, collapse, or subsiding of land along the shoreline
due to erosion or undermining of waves or currents exceeding the
cyclical levels

Unusual & rapid accumulation of runoff or surface waters from any
source

Overflow of inland or tidal waters

Mud slides caused by flooding

Sewer backup caused by flooding

To review the Federal Emergency Management Agency's
Flood Maps for your property...click HERE!

**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.