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  1. Complete the short, flood insurance quote form
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  3. Choose the best flood insurance policy for you

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"By comparing different quotes, we were able to save over $1000 per year on our flood insurance!!  It was so easy to fill out one short form and get multiple flood insurance quotes to compare - saved us a ton!  Thank you."

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Selective Flood Insurance

Floods are categorized among the leading natural disasters occurring in either high or low-risk zones. If a flood happens in your area, it will damage homes, commercial structures, and contents. Replacing the destroyed items becomes too expensive for the typical individual and your personal home insurance or commercial insurance policy will not cover the flood's effects. Therefore, you may need to check into Selective flood insurance.

Selective flood insurance will insure residential homes, commercial buildings, and the items in those buildings through the National Flood Insurance Program (NFIP) in all 50 states. The company is now the fourth-largest company in NFIP WYO carrier.

Through Selective flood insurance, you will get unique customer service via, where you can submit claims, follow up on the claims, check policy details, pay your premiums, etc. Working with Selective Flood insurance will be easy and quick through experienced insurance experts.

When to Get Selective Flood Insurance?

Selective flood insurance will take 30 days to be functional from signing up, due to a mandatory 30 day wait period. Therefore, there is no better time to get your flood insurance than now. Make sure your property and building are well secured from the effects of floods.

Who Needs Selective Flood Insurance?

As per the Federal Emergency Management Agency, floods are the most common natural disasters in the United States. According to the organization, even a small amount of water in your home can damage it big time.

Heavy rains, spring thaws, bodies of water, and storms are just a few factors that impact the incidence of floods. Even though the locations that are feeling the effects of floods are considered the most vulnerable to flooding, floods can occur everywhere. According to FEMA, low to medium flooding zones account for more than 20% of flood claims.

Flood damage is usually not covered by a standard homeowners insurance policy. As a result, you should think about getting a new selective flood insurance policy because floods can come anywhere.

What is covered under Selective Flood Insurance?

You can protect your home and its contents by acquiring building property flood insurance and personal contents flood insurance. Some of the items that will be covered under the two broad categories include;

Building Property coverage

The building property coverage will protect physical items in your home or no-resident properties, including foundation, HVAC, electrical systems, window blinds, plumbing systems, etc.

Contents coverage

Personal property coverage insures the contents kept inside your house, such as furniture, clothes, televisions, microwaves, etc.

What is not covered under Selective Flood Insurance?

While considering Selective flood insurance, you need to be aware that there are items that will not be protected under the Selective flood policy. Some of these items include; temporary living expenses, currency, valuable papers, items damaged by mold and mildew, etc. Therefore, before you sign up for Selective flood insurance, ensure you are fully aware of the items covered and the ones you are personally liable for if anything happens.

What is the Cost of Selective Flood Insurance?

The cost of the Selective insurance flood is determined by various factors, including the flood risk, or zone, of your home, the policy's coverage, and the amount of coverage you purchase.

The maximum coverage for a residential building will be $250,000, while its contents will be $100,000. In the commercial sector, the maximum coverage for the building will be $500,000, and for its content, it will be $500,000.  If you would like to compare flood insurance quotes from FEMA and other top rated private flood insurance companies, click the button below and get your quotes!  Compare prices, choose the best policy for you – You could save thousands!!

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