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Progressive Insurance Flood Insurance, usually acquired independently from your homeowner's insurance policy, can help safeguard your home and valuables by covering losses from water damage caused by floods. If your home or personal possessions are flooded, your flood insurance provider will normally cover the costs of rebuilding or repairing your home, as well as reimburse you the actual monetary value of your personal belongings.  You're home insurance or renters insurance usually excludes coverage for flood.

What will be covered under Progressive Home Flood Insurance?

Flood insurance often protects your home's structure and the items within it based on your coverage. Some items that will be covered include;

• Building structure and its foundation.
• Personal items like clothes, electronics, and furniture.
• Appliances that are built-in like dishwashers, refrigerators, etc.
• Carpets and household items that are permanently installed.
• Air conditioners.
• Electrical and plumbing systems.
• Your home's foundation and structure.
• Garage and other detached structures.
• Debris removal.

What will not be covered by A Progressive Flood Insurance Policy?

Some items will typically not be covered when you buy your flood insurance policy. These items include;

• Landscaping.
• Swimming pools and patios.
• Currency and valuable papers.
• Damages caused by mold and mildew.
• Automobiles such as cars.
• Damages from your sewer line.
• Financial losses due to the inability to carry on your home-based businesses.

Who Needs A Progressive Flood Insurance Policy?

One of the major reasons people buy a flood insurance policy is because their home or commercial building is in a high risk flood zone. Your mortgage lender may require you to have flood insurance, mainly when the subject property is in risky flood zones. According to the Federal Emergency Management Agency, an inch of water can inflict $25,000 damage to your property.

You might think you are safe if your property is not in a high-risk flood zone. But many flood claims come from outside flood zones and that is the truth. Many other factors may trigger floods, such as heavy rains, changing weather patterns, and heavy rains. Furthermore, it is reported that around 20 percent of the flooding claims arise from low to medium risk zones. Therefore, flood insurance will be appropriate for anyone to ensure that their house and property are well safeguarded in case of a major flood disaster.

How much will Progressive Home Flood Insurance Cost?

When you buy Progressive home flood insurance, various factors will be considered when coming up with the cost of your policy. Some of these factors include;

• The Location of your house or commercial building and how close it is to a body of water.
• The structure of your house or commercial building and the elevation of the house/building from the base flood level.
• Type of coverage you want - replacement cost value you choose.
• If the area is designated as a low or high risk flood zone.
• Age of structure and number of floors in your home or building.

Annual flood insurance premiums from the National Flood Insurance Program (NFIP) cost roughly $700. Your rate will be determined by the risk, just like any other insurance. If you live in a high-risk flood-prone area or a flood-prone neighborhood, you'll undoubtedly spend more.

According to NFIP policies, the maximum flood insurance coverage for residential property is $250,000 when covering the building and $100,000 when covering the contents. The maximum flood insurance coverage for a business commercial building is $500,000, and $500,000 for business contents.

Progressive Flood Insurance ASI

ASI, or American Strategic Insurance, is now part of the Progressive Group of Insurance Companies.  ASI & Progressive Flood Insurance are working together to bring you more savings and protection.  ASI (American Strategic Insurance), with Progressive, offers a wide range of flood insurance coverage options and policies to fit your individual needs and budget. See AmericanStrategic.com to discover which ASI policy is right for you.

Progressive Renters Flood Insurance

Floods are the most common, and costly, natural disaster in the United States. However, standard Progressive renters insurance does not cover flood damages and leaves many renters stuck with significant out-of-pocket expenses.  Your landlord’s flood insurance won’t protect your personal belongings from flood damages if you are a renter.  You can utilize Progressive Flood Insurance for renters and the NFIP to help educate renters about the flood risks in their area that they may not be aware of, as well as the policy options available to renters.

How to buy Flood Insurance?

You can contact a Progressive flood insurance specialist for advice, or you can click the button below to compare flood insurance policies from FEMA and private flood insurance companies.  When you compare policies, you could save thousands!!