is flood insurance expensive?


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is flood insurance expensive?

Is flood insurance expensive is another question we are asked. And the answer to that depends on where their property is located. The price of flood insurance varies for different levels of flood risk. Properties listed in higher-risk areas will pay more for flood insurance than those in lower risk.

Flood insurance is available to everyone, whether you own or rent. It's also mandatory if you are looking for a home in an area classified as high risk for flooding. Mortgage companies will not give you a loan unless you provide them with proof of flood insurance. Regardless of the level of risk, we strongly recommend purchasing flood insurance. Without it, you could be spending thousands of dollars on repairs.

So is flood insurance expensive? Your flood zone isn't the only thing determining how much you will pay for flood insurance. There is also the state you live in and whether you have purchased flood insurance through the NFIP or an insurance agent. Flood insurance through the NFIP can be less costly than an insurance agent. However, you may not receive as much coverage as you would through an agency. At Holt Flood Insurance, we can help you decide whether to go with an insurance company or the NFIP.

Is flood insurance expensive? Visit our website for more information 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:

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

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


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