Wherever you live, it’s important to protect your home and your assets by having flood insurance.
Why NSI?
With over 60 years of experience serving residents throughout South Florida, NSI Insurance is a leading insurance agency and the premier destination for homeowners and renters looking for affordable insurance policies to protect their property and assets.
Our licensed and skilled insurance agents will help you find the right flood insurance policy and applicable discounts so that you can protect your belongings at a rate that suits your needs.
Why Buy Flood Insurance?
You likely already have an active homeowners or renters insurance policy—but did you know these policies don’t typically cover flooding?
Heavy rain, rising groundwater, and more can cause flooding in your home, leading to significant financial damages. Beyond damaging your personal property, water damage can threaten the structure of your home. Whether or not you live in a high flood risk area, flood insurance is a small price to pay for peace of mind and protection from extreme financial burden.
Is flood insurance required?
Legally, no, flood insurance is not required. However, if you live in a high-risk flood zone, your mortgage lender may require you to purchase flood insurance. In any case, flood insurance is always recommended, as it is an affordable way to protect your property against unexpected disasters.
How will my rate be determined?
The primary factor that impacts your flood insurance rate is how at-risk it is from experiencing flood damage. Other factors may include:
- Property value
- Total value of personal belongings
- Home age
- Claims history
- And more
Your NSI Insurance agent will explain your rate to you and help you explore ways that you may be able to save.
What Does Flood Insurance Cover?
There are two types of flood insurance coverage: building property coverage and contents coverage. These coverages are designed to protect your home and to protect what’s inside of your home, respectively. For comprehensive coverage, we recommend purchasing both types of coverage.
When combined, these policies typically cover:
- Electrical and plumbing systems
- Furnaces and water heaters
- Refrigerators and other appliances
- Permanently installed carpeting, cabinets, bookcases, and paneling
- Foundation walls and staircases
- Detached garages
- Well water tanks and pumps
- Fuel Tanks
- Personal belongings (clothing, furniture, electronic equipment, etc.)
- Washer and dryer
- Valuable items (up to $2,500)
Keep in mind that building property and contents coverage typically have different coverage limits, so be sure to review your policy carefully to understand your financial liability.
Let’s Get Started
Flood Insurance Quote Request
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