Flood

Floods can strike anywhere — and often when you least expect them. Just a few inches of water can cause thousands of dollars in damage to your home and belongings. Flood insurance provides critical protection, helping you recover quickly and confidently when nature takes an unexpected turn.

At United Choice Insurance, we help you understand your risks, explore your coverage options, and secure a policy that fits your home and your budget.

What Does Flood Insurance Typically Cover?

Building Coverage
Protects your home’s physical structure, including the foundation, walls, electrical and plumbing systems, HVAC equipment, and permanently installed fixtures or appliances.

Contents Coverage
Covers your personal belongings such as furniture, clothing, electronics, and other valuables that could be damaged by floodwaters.

Temporary Living Expenses
Some flood insurance policies include coverage for temporary housing and related costs if you’re unable to live in your home due to flood damage.

Preparing for Your Flood Insurance Quote

To receive an accurate quote, please have the following information ready:

• Property Details: Address, size, age, construction type, and any history of flooding.
• Elevation Certificate (if available): Shows your home’s elevation relative to local floodplains, which can affect your premium.
• Current Insurance Information: Details of your existing homeowners policy, as flood insurance often complements it.

Important Considerations for Flood Insurance

Flood Zone Designation
Your property’s flood zone classification determines both your level of risk and your policy requirements.

Coverage Limits
Understand the maximum protection available for both your building and your personal property.

Waiting Periods
Most flood insurance policies have a waiting period — typically 30 days — before coverage begins. Planning ahead is essential.

Protect Your Home from the Unexpected

Flood insurance isn’t just for homes in high-risk areas — nearly one in four flood claims come from properties outside designated flood zones. It’s an investment in peace of mind and financial security, ensuring you’re not left facing the aftermath of a flood alone.

Let United Choice Insurance guide you in finding the right flood insurance policy — one that safeguards your property, your belongings, and your sense of security.