Flood Insurance

Floods can happen anywhere, even in Wisconsin and Minnesota. While standard homeowners’ insurance typically covers events like fire, theft, or wind damage, it doesn’t include flood coverage. A comprehensive flood insurance policy is designed to provide you with the protection you need, whether you reside in a high-risk flood zone or simply want added protection against flood damage.

Features of Flood Insurance

• Building coverage: Protects the structure of your home, including the foundation, electrical and plumbing systems, HVAC equipment, and built-in appliances, as specified by the flood insurance requirements.
• Contents coverage: Covers personal belongings such as furniture, clothing, electronics, and valuables from flood damage.
• Basement coverage: Provides limited flood protection for specific items in your basement, like furnaces, water heaters, and essential appliances.
• Debris removal: Covers the cost of removing debris from your home after a flood event or flash flooding.
• Reimbursement for repairs: Helps pay for necessary repairs to restore your home to its pre-flood condition, according to your flood policy limits.
• Policy flexibility: Offers options for additional coverage, such as floodproofing, to tailor the insurance policy to your specific needs and flood risk assessment.

Moving Your Insurance Needs Forward

Deciding whether or not you need flood insurance doesn’t have to be overwhelming. Our experienced team is here to guide you through understanding flood risks, selecting the right policy, and ensuring your coverage aligns with your specific needs.