Flood policy coverage

There are two types of flood policy coverage: building and contents. These factors determine how much you will pay for flood insurance. Home and business owners will purchase both together, while renters only need to pay for content insurance. Just like regular insurance, flood insurance has its limits when it comes to coverage. And policies may vary between flood insurance companies.

When it comes to flood insurance, the following items may not be covered, temporary housing, landscaping, decks, pools and anything else outside of the insured property, financial losses from business interruptions, precious metals, cars and items left in basements. Flood insurance only covers damages caused by water flooding land that's usually dry.

Flood policy coverage from the NFIP is different from private flood insurance. Private flood insurance covers higher-valued homes, while the NFIP only covers $250,000 for property and $100,000 for content. So if your home is worth more than $250,000, private flood insurance is best for you. Need help determining how much your home is worth? Holt Flood Insurance can help you with all of your flood insurance needs. With over 30 years of flood insurance experience, you can trust us to help you with any insurance questions.

For more information on flood policy coverage, visit our website or call us at (540)809-1415. We will answer any questions you may have. Contact Holt Flood Insurance today.

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Here is what our clients are saying about us:

We contacted Mr. Holt for an estimate via email over the weekend prior to a closing on a property, hoping for a response on the following Monday to take with us with confidence in being insured at the settlement table on a Tuesday. He exceeded our expectations not once but in readily responding to the initial request and then to follow-up questions all during the weekend frenzy that occurs before closing. "Impressive and responsive customer service," for sure!
Ken Reuwer

I have no problem giving you an A1 reference for taking care of the flood policies for me and Diane. I appreciate you working with the mortgage company: the surveyor and our previous agent. The result was a 75% reduction in our flood insurance premiums!
Mike Edwards

I have known Tim for many years and he is a man with great integrity, work ethic and one of the nicest persons I know. Over the years Tim has provided insurance counseling and advice to our company, for myself personally, as well as to our clients. Recently Tim, took time to analyze our flood insurance policy and he was able to make some excellent recommendations. Our flood insurance costs are now less and we have much better coverage. I recommend Tim to anyone without hesitation or reservation.
Edward Semambya, CPA