Ensure You Can Recover From Any Storm With the Best Flood Insurance

Flooding can happen without much warning, even if you don’t live near a large body of water. While it’s not the first type of insurance most people think of, flood insurance can provide homeowners with an additional layer of protection. What’s more, since most homeowner insurance policies don’t include flood damage coverage, purchasing flood insurance is something you, as someone who wants to protect one of their biggest investments, should consider.

Believe it or not, there are a variety of flood insurance policies out there. Finding the best option to protect your home and assets is easier said than done. Luckily, Mocombe Financial Services specializes in complete home insurance coverage. Our experienced insurance brokers perform extensive research and compare the best flood insurance policies to ensure clients receive the ultimate protection and peace of mind.

Home in flood water

Why Get Flood Insurance Through Mocombe Financial Solutions

  • Over 20 years of experience
  • Finds policies tailored to your specific area and needs
  • Does the benefit and cost comparisons for you
  • Ensures coverage of flood damage expenses
  • Competitively priced compared to flood insurance providers
  • Knowledge of the National Flood Insurance Program (NFIP)
  • Provides free flood insurance quotes

What Does Flood Insurance Cover?

Home hallway flooded with water

Dwelling Coverage

Many flood insurance policies include dwelling or building property coverage. When policies have dwelling coverage, the physical structure of your home and its foundation, essential systems including plumbing, electrical, and HVAC systems are covered. It will also ensure that built-in appliances, flooring, and other essential fixtures are covered and even help with the reimbursement of home repair costs.

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Living room furniture with flood water

Personal Contents Coverage

With personal contents coverage, your essential belongings are eligible for reimbursement when flood events cause damage to more than the structure of your home. Many personal contents coverage options will cover items such as personal belongings like clothing, furniture, and electronics. Typically, this needs to be added separately in addition to building coverage.

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Street flooded with water

Private Flood Coverage

Some homeowners insurance policies provide flood insurance through the National Flood Insurance Program (NFIP). However, private flood insurance can also be accepted instead of NFIP plans in areas where the NFIP plans are mandatory. If private flood insurance is available in your area, you may want to consider it over NFIP coverage. Private flood policies will often include additional protection.

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Our Team Will Find The Best Flood Insurance Available in Your Area

Most homeowners insurance doesn't cover damages caused by flooding unless it's added as additional protection. In some areas, a separate policy is required to be purchased through the NFIP or a private flood insurance provider. Our insurance brokers can compare the different options available to you to ensure you get the best protection and value. Don’t take an unnecessary risks with your home. If you live in a low-risk area, we can see if you qualify for low premiums available through the NFIP or private flood insurance.

Storm clouds above a neighborhood

Why You Need Flood Insurance

Flood insurance is not something you want to start thinking about before it’s too late. It only takes a few inches of water to cause damage to your home and belongings. Whether you need flood insurance usually depends on the risk of a flood in your location and whether the government or your mortgage lender requires it.

Whether or not your residence is at risk of flooding is determined by the Federal Emergency Management Agency (FEMA). Residences in high-risk areas are required to purchase flood insurance. While residences that are in a moderate-to-low risk area are not required to purchase insurance, it is still recommended. Flooding can happen anywhere. In fact, nearly 20 percent of flood damage claims come from moderate-to-low risk areas. Let our experts assess the flood insurance options available in your area to ensure you get the protection you need.

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Getting Flood Insurance With Mocombe Is Quick and Simple

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Contact our flood insurance brokers and receive a free consultation.

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Choose A Plan

Our team will find the best flood coverage options for you and your home.

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We’ll look at your home insurance coverage to look for bundle options.

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Get Covered Fast

Getting covered through Macombe can be done online or over the phone.

Request a Free Flood Insurance Quote

Don’t wait until it is too late. Now is the best time to get flood insurance coverage. It often takes around 30 days after the purchase of a flood insurance policy to take effect. Even if you have already purchased a flood insurance policy, it’s important to review it each year to ensure that your home and its contents are covered. Our team can review your current policy or help you find one with even more protection and benefits. Contact Mocombe Financial Services today to get started.

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