Flood Insurance

Floods are becoming more and more frequent across the U.S., especially in coastal states such as Florida. It’s more important than ever to keep your home and personal belongings safe from flood damage, as most home and renters insurance policies don’t cover this type of damage.

St. Andrews Insurance Agency provides affordable flood insurance policies. We will make sure your home and belongings are covered without hurting your wallet. To get started, call us (850) 785-2383 or fill out an online quote form today.

Common Flood Insurance Questions

Is All Flood Insurance Through FEMA?

Flood insurance is provided through FEMA, but it cannot be purchased directly through the government.

What Does Flood Insurance Cost?

Flood insurance premiums depend primarily on location. In Florida, flood insurance costs around $545 a year.

What Does Flood Insurance Not Cover?

Flood insurance will not cover most detached items and property such as fences, decks, septic tanks, trees and swimming pools.

How Do I Get Flood Insurance?

Fill out an online quote form for a free flood insurance quote.

When is Flood Insurance Required in Florida?

Although flood insurance is heavily recommended for all Florida residents, this insurance is only required in certain high-risk zones. Check with your state and area to see if your home falls in a high-risk flood zone.

How Does Flood Insurance Work?

Flood insurance is a policy that you can add to cover your home or rented property. When it comes time to file a claim, call your insurance agent. Once it is approved, you must pay your deductible as agreed upon by your policy before receiving compensation for items lost. Once a claim is filed, an underwriter from the agency will investigate the claim and provide compensation once the claim is approved.