Affordable Flood Insurance
Whether you're a homeowner, a business owner, or renter, flood insurance coverage is available for you. For homes, condominiums and townhouses, flood insurance policies cover your home's structure and your personal belongings.
Connect with us directly to access the Flood Zone for your property. With the address, Flood Zone and Elevation Certificate (if required), we can access all flood insurance options and present the best flood insurance coverage.
We do the work for you. In a few steps, you’ll have the best rate and will be able to get immediate coverage.
Flood Insurance systems now utilize a new rating methodology which leverages industry best practices and cutting-edge technology to enable FEMA to deliver rates that are easy to understand and better reflect the individual flood risk. We partner with more than 50 insurance companies to offer the same affordable flood insurance rates throughout the nation.
Whether you live in a Special Flood Hazard Area (SFHA) as defined by FEMA or perhaps a lower risk area, HDA Insurance provides the specialized flood insurance you deserve to protect your home from rising water.
Although mortgage companies require Flood Insurance for homes located in a SFHA, flood insurance premium rates are much lower for homes located in a low-risk area. Homeowners Insurance often excludes damage from rising water, sporadic snowmelt damage and floodwaters.
Flood Insurance consists of the Property Section (Dwelling Insurance) and the Contents (Personal Property Insurance).
The flood insurance policy premium depends on the amount of coverage and the flood risk of the insured structure.
You can buy Flood Insurance at any time; however, there is usually a 30-day waiting period before the policy goes into effect, with some exceptions. If there is a pending loan transaction requiring insurance as a condition, the waiting period would be waived.
Homeowners insurance policies typically exclude damage caused by floods. Floods are typically defined as rising exterior water levels causing damage to the home. Flood Insurance is necessary to cover the peril of Flood.
Flooding is a risk no matter where you live; perhaps it is much less likely if your home is a condominium unit located on the third floor of a building. Flood Insurance is very important; the premium for non high-risk areas is substantially lower; however, when a flood occurs, the damage is extremely costly and you’d wish you had bought insurance when faced with a loss.
A flood elevation certificate is a document used to confirm a building’s elevation in high-risk areas relative to the estimated height floodwaters will reach in the event of a major flood. It is usually signed and stamped by a Certified Engineer and filed in the County Engineering Office.
To get started, your name, address and an Elevation Certificate (if you have one). Flood Insurance policies are written nationwide and our systems will automatically check the flood zone and accordingly will provide the best available flood insurance quote.