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Even an overnight flood caused by heavy rains can take a toll on your property, potentially costing thousands of dollars. And if you’re in a flood zone, flood insurance may even be required. At KSA Insurance, we can help you to understand your options and find the right flood policy for your needs. Don’t hesitate to reach out to us with any questions you may have—or simply request an online quote today to get started.
Even an overnight flood caused by heavy rains can take a toll on your property, potentially costing thousands of dollars. And if you’re in a flood zone, flood insurance may even be required. At KSA Insurance, we can help you to understand your options and find the right flood policy for your needs. Don’t hesitate to reach out to us with any questions you may have—or simply request an online quote today to get started.
What Is Flood Insurance?
Do you own a home, office building, or other property? If so, a flood could result in tens of thousands of dollars in damages—and potentially more. Flood insurance is the solution to help protect yourself financially. If you have property that’s worth protecting, flood insurance could mitigate the risk, and save you a lot of money if a flood occurs.
What Is Covered By Flood Insurance?
While a homeowner’s insurance policy will cover various aspects of home damage, flooding will require separate coverage in most cases. At KSA Insurance, we offer flood policies with the following coverage:
- Structural damage due to flooding
- Damage to your furnace, water heater and air-conditioning
- Cleaning up debris caused by flooding
- Replacing electrical and plumbing systems due to flooding
As you might imagine, if you’re the owner of a home or office building, these types of damages can cost you thousands and interrupt your business or family life. With the right insurance, however, you can rest easy knowing that you’ll be covered if a hurricane, storm, or other event causes flooding that damages your property.
Do You Need Flood Insurance?
Mortgaged homes in high flood risk areas are required to purchase flood insurance under federal regulation. But even if you are in a lower risk area, flood insurance can still be valuable—and your mortgage provider may still require it.
The National Flood Insurance Program notes that one foot of flooding damage in a 1,000 square foot home will cost about $27,150. This shows that it doesn’t take a lot of flooding to rack up costly damages to your property. Almost $30,000 in damage for even a minor flood would be a tough amount for many home or business owners. With a flood insurance policy, however, a relatively small annual premium can help to prevent serious losses in the case of a flood.
Request A Quote Today
KSA Insurance has years of experience in providing flood insurance to both home owners and businesses in Charleston, SC and the entire East coast. Plus, we have access to private market flood carriers, which can often have better coverage and premiums than going through FEMA or NFIP. Request a quote today!
Request A Quote Today
KSA Insurance has years of experience in providing flood insurance to both home owners and businesses in Charleston, SC and the entire East coast. Plus, we have access to private market flood carriers, which can often have better coverage and premiums than going through FEMA or NFIP. Request a quote today!