Flood Insurance
Do you live in a flood zone? Insurance may not cover damages due to flooding. Learn why Livingston Insurance Agency recommends protecting yourself with a separate flood insurance policy.
Wonder if you need flood insurance? Many people do. It may shock you to learn that standard policies exclude flooding events. Livingston Insurance Agency offers this much-needed coverage to anyone, especially those living in a high-risk flood zone. Let us help protect your property and belongings with the right coverage when it matters most.
What Is Flood Coverage?
Flood coverage is an additional policy to the property owner’s property insurance. The National Flood Insurance Program—created by Congress in 1968—backs these policies as well as some large private entities. Although you can buy coverage through Livingston Insurance Agency, the government sets the rates.
These policies cover water damage caused by flooding, dam failure, clogged storm drains, and more. Without flood insurance, flood damages are not covered by insurance and are costly.
Flood policies may include:
- Dwelling Loss
- Plumbing System Failure
- Electrical System Damage
- Erosion
- Mold
- Detached Garages
- Personal Property: Refrigerator, Stoves, Carpeting, Furniture, etc.
- Installed Cabinets and Bookcases
- And More
Who Needs a Flood Policy?
Any home, commercial business, or property located inside a designated flood zone should purchase a flood policy. Without coverage, you could spend thousands of dollars rebuilding after a natural disaster.
Following a flood, the policy kicks in and pays for any repairs to the insured dwelling. These repairs may include mold remediation, new drywall installation, or electrical replacement. It can also cover the cost to replace lost personal property, including furniture and appliances.
Commercial properties also benefit from flood coverage. It can pay for any rebuilding costs caused by water damage. Business owners must buy the policy alongside their standard insurance.
Need Flood Insurance? Livingston Has You Covered!
It costs a small fortune to fix everything after a flood. Livingston Insurance Agency can help. We offer private and public-backed flood insurance, even to those in high-risk areas. Our customer-centric staff will match you with the right amount of coverage. With over 60 years of industry experience, you can trust us with all your insurance needs.
Do you live in a flood zone? Get coverage with a flood insurance policy from Livingston Insurance Agency.