Flood INSURANCE
BE PREPARED.
Stay Protected.
Flood insurance can help protect your home, belongings, and finances from qualifying flood-related damage when the unexpected happens.
PROTECT WHAT MATTERS MOST
Flooding can happen in many different areas, not just places considered high risk. Because standard homeowners policies generally do not cover flooding, separate flood insurance can provide an important layer of protection.
Depending on your policy, coverage may help with:
May help repair or rebuild covered parts of your home after qualifying flood damage.
May help repair or replace covered furniture, appliances, clothing, electronics, and other personal property.
Coverage may apply to certain plumbing, electrical, heating, cooling, and other building systems damaged by flooding.
Certain built-in appliances, flooring, cabinets, and other covered property may be protected.
Helps reduce the amount of flood-related repair and replacement costs you may have to pay yourself.
COVERAGE OPTIONS THAT FIT YOUR NEEDS
Flood insurance needs can vary depending on your property, location, and the belongings you want to protect. Benchmark Insurance can help you understand available options and choose coverage that fits your situation.
Building Coverage
Helps protect the physical structure of your home or building from qualifying flood-related damage.
Contents Coverage
Helps protect certain personal belongings inside your home from covered flood losses.
Basement Coverage
Some coverage may apply to qualifying items and building systems located in basements, subject to policy limitations.
Detached Structures
Certain detached structures may have limited coverage or require separate protection depending on the policy.
Business Flood Coverage
Coverage options may be available for qualifying commercial buildings, inventory, equipment, and other business property.
Additional Coverage Options
Ask about available limits, deductibles, replacement cost provisions, and other flood coverage options.
FLOOD PROTECTION
YOU CAN UNDERSTAND
Flood insurance works differently from standard homeowners coverage. Benchmark Insurance can help you understand what may be covered, what may not be covered, and how available options fit your property.
Here’s what you can expect when you choose us:
Coverage options explained in plain language
Guidance based on your property and flood exposure
Help reviewing limits, deductibles, and available options
Personal service without unnecessary pressure
Support when your coverage needs change
Frequently Asked Questions
Is flood insurance required?
Flood insurance requirements depend on your property, lender, and flood risk. Some mortgage lenders may require coverage for properties located in certain flood-risk areas.
Does homeowners insurance cover flooding?
Standard homeowners insurance generally does not cover flooding caused by rising surface water. Separate flood insurance may provide protection for qualifying flood-related damage.
Do I need flood insurance if I am not in a high-risk flood zone?
Flooding can occur outside designated high-risk areas. Whether flood insurance makes sense depends on your property, location, finances, and the amount of risk you are comfortable carrying yourself.
What does flood insurance typically cover?
Coverage may include qualifying damage to the building and certain personal belongings. Exact protection, limits, and exclusions depend on the policy.
Is there a waiting period before flood insurance begins?
Some flood insurance policies have a waiting period before coverage takes effect, although exceptions may apply. It is best to arrange coverage before flooding is expected.
How much does flood insurance cost?
Cost may depend on factors such as your property, location, flood risk, coverage amount, deductible, building characteristics, and the insurer providing the policy.
Contact Benchmark
Let’s Protect What Matters Most to You
Tell us about your property, ask a question about flood coverage, or request a personalized quote.
