Flood Insurance

Serving Anderson, Greenville, Spartanburg & Areas Across Upstate South Carolina

Hurricanes and storms can often lead to floods, and if you are in a high-risk area, you should consider flood insurance. Having a flood insurance policy can offer financial protection for your home and personal belongings inside your home.

What Is Flood Insurance? 
Flood insurance is a form of insurance that typically covers the structure of your home and your personal belongings if a flood occurs. A standard homeowners or renters insurance policy will likely not cover flood-related damage expenses, so it is essential to have a flood insurance policy if you live in an area prone to flooding. 

Instances in which your flood insurance policy helps you out might include an overflowing river or a storm surge following a hurricane. You will likely have to purchase flood insurance separately from your other policies. 

Do I Need Flood Insurance? 
If you live in a flood zone specified by the National Flood Insurance Program (NFIP), flood insurance is recommended. Having flood insurance can significantly limit expenses following a flood and protect your home's structure and valuables. 

What Does Flood Insurance Cover? 
Flood insurance policies typically include two primary coverages: 

• Building coverage helps cover damage to walls, electrical systems, plumbing and built-in appliances.
• Contents coverage helps cover valuables and personal belongings inside your home, such as furniture, jewelry, electronics and clothing. 

Standard flood insurance policies are underwritten by the NFIP and typically do not include protection for patios, decks and personal belongings that you keep in your basement. 

Contact Our Agency 
If you live near Anderson, South Carolina, you must consider acquiring flood insurance. The experienced agents at Select Insurance, LLC can assist you in learning more about potential coverage options. 

For more information, don’t hesitate to contact our agency today at 864-964-0622. 

 

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