If you search for flood insurance by address, you will find that the flood risk for the area determines rates. Higher-risk areas pay more for insurance than those at a lower to moderate risk. If you are looking for an affordable flood insurance rate, the NFIP offers low-cost insurance for those who qualify.
Though flood insurance through the NFIP is cost-effective, it has limits. It only covers up to $250,000. So, if your home is worth more than that, it's better to go with a private insurance company. At Holt Flood Insurance, we work with the NFIP and these private flood insurance companies, The Hartford, The Flood Insurance Agency, Wright Flood, NFS Edge, Lloyds of London, Neptune and the NFIP.
Flood insurance by address is one of many ways to determine your costs. Whether you own your home or rent also plays a part. Renters only require content insurance, while homeowners require both property and content. It's important to remember that homes in high-risk areas must purchase flood insurance before a mortgage is released. While in all other areas, it's not a requirement. We always recommend flood insurance as flooding can happen anytime, regardless of the risk.
For more information on flood insurance by address, visit our website or call (540)809-1415. We will answer any questions you may have. Contact Holt Flood Insurance today.
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 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 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
