Commercial property insurance, homeowners insurance and renters insurance doesn’t include coverage for flood damage. In low- to moderate-risk areas, flood insurance is crucial to help protect financial stability in the event of a natural disaster.

Homeowners who live in an area at risk for flooding need a special flood insurance policy to help protect their property. Flood insurance is provided by insurers who are under contract with FEMA.

You don’t have to be a homeowner to get flood insurance. The agents at R.M. Bush & Company can help you get flood insurance for renters, which can help protect your possessions after a natural disaster.

How Much Does Flood Insurance Cover?

Flood insurance policies can help protect your property against the financial impacts of flood damage. In Georgia, severe weather is a real threat, but being prepared with flood insurance can help lessen the financial impact of a natural disaster resulting in flood damage.

You can purchase flood insurance for your home or commercial property with building and contents coverage to help repair or replace flood-damaged property. You may be able to buy a national Flood Insurance Program (NFIP) insurance plan, depending on your location. NFIP underwrites most flood insurance policies.

Building coverage helps cover the costs of rebuilding or replacing your building’s permanent fixtures. Contents coverage helps pay to repair or replace lost items, including furniture, clothing, electronics and other flood-damaged valuables.

How Much Flood Insurance Do I Need?

Your lienholder may require flood insurance if you have a mortgage and live in a high-risk flood area. In general, you’ll need coverage equal to the cost of rebuilding your property or the maximum amount of coverage available to you.

How To Get Flood Insurance

Contact R.M. Bush & Company in Savannah, Georgia, to learn more about your flood insurance options and get a quote.