home flood insurance costs


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home flood insurance costs

Home flood insurance costs depend on your location. Insurance companies determine costs by the flood risk level and the state where the customer lives. The average annual fee for high-risk areas is around $1,167, whereas low to moderate-risk areas will pay about $630 or more. You can purchase flood insurance through a private insurance agent or the NFIP.

Anyone can purchase flood insurance, including renters. And if you rent your home, your insurance rates may be less expensive as you only have to worry about content. Though, flood insurance is only a requirement for high-risk areas, as mortgage companies will not give a loan without it. We recommend that everyone purchases it because you could spend thousands of dollars on repairs without it.

Factors that affect home flood insurance costs include flood zone, coverage type, content and building, age of home and structure, deductible, and more. Flood insurance will cover many electrical and plumbing systems, HVAC, flooring, and building structure. Content insurance includes clothing, furniture, electronics, jewelry, appliances, and more. While you have flood insurance coverage under your homeowner's insurance, it will only cover accidental floodings such as a burst pipe or leaking appliance.

For more information on home flood insurance costs, visit our website or give us a call 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:

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

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


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