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Flood Insurance
Protecting Your Home From the Water You Don’t See Coming
Flooding is one of the most common and costly disasters—and in many cases, it’s not covered by a standard homeowners or property insurance policy. One heavy storm, stalled system, or rising water source can cause thousands of dollars in damage in just a few hours.
At United Insurance Corp, we help homeowners, condo owners, renters, landlords, and business owners understand their true flood risk and find coverage designed to protect their property and their finances.
Standard homeowners, condo, and landlord policies typically exclude flood damage caused by rising wa
- Storm surge
- Heavy rain that leads to pooling or standing water
- Overflow of rivers, lakes, canals, or drainage systems
- Tidal flooding
- Flash flooding
Without a separate flood insurance policy, you may be responsible for repairing or replacing your home and belongings out of pocket after a flood-related loss.
What Flood Insurance Can Help Cover
Your building (dwelling coverage)
Your belongings (contents coverage)
Your belongings (contents coverage)
- Foundation, walls, flooring, and built-ins
- Electrical and plumbing systems
- HVAC systems, water heaters, and major appliances
- Attached garages
Your belongings (contents coverage)
Your belongings (contents coverage)
Your belongings (contents coverage)
- Furniture, clothing, electronics, and decor
- Area rugs, small appliances, and more
For condo owners:
Your belongings (contents coverage)
For condo owners:
- Interior features that you’re responsible for (depending on your association documents and master policy)
- Your personal belongings
For renters:
For businesses:
For condo owners:
Your personal belongings (contents) inside the home or apartment
For businesses:
For businesses:
For businesses:
- Building and business contents
- Certain fixtures, equipment, inventory, and more (depending on the policy)
Types of Flood Insurance We Can Help With
We work with both National Flood Insurance Program (NFIP) and private flood carriers.
NFIP (National Flood Insurance Program)
- Backed by FEMA
- Standardized coverage and limits
- Often required by lenders in high-risk zones
- 30-day waiting period in most situations
Private Flood Insurance
Where available, private flood markets may offer:
- Higher coverage limits for building and contents
- Additional coverages or endorsements
- Different deductible options
- Sometimes more competitive pricing, depending on the risk
We’ll compare flood options and help you decide which approach makes the most sense for your property and budget.