Protect Your Home and Belongings from Rising Waters
In Florida, flood risks aren’t a maybe — they’re a reality. Many homeowners don’t realize that standard home and renters insurance policies do not cover flood damage. A dedicated flood insurance policy helps protect your property and gives you peace of mind when heavy rains and storms roll in.
Why Flood Insurance Matters
Essential Protection for Florida Living
From tropical storms to heavy rain events, floods can happen quickly and cause severe damage. A flood insurance policy helps you recover without major financial setbacks — protecting your home’s structure and your personal belongings. At St. Andrews Insurance, we help you understand every option clearly, so you know exactly what’s covered.
What Flood Insurance Covers
Building Property
Coverage for your home’s foundation, electrical and plumbing systems, HVAC equipment, and permanently installed flooring and cabinetry.
Personal Belongings
Protection for furniture, clothing, electronics, and other valuables if they’re damaged or destroyed by a flood.
Appliances & Systems
Coverage for essential appliances like refrigerators, dishwashers, and washers/dryers — so you can get back to normal faster.
- Important:
Flood insurance covers water damage from rising water and storm surge, including flooding caused by hurricanes. However, wind damage from hurricanes is typically covered by your homeowners insurance. We’ll help you understand exactly how these policies work together so you’re fully protected.
Questions We Hear Most — With Answers
Do I need flood insurance if I don’t live in a high-risk zone?
Yes. Flooding can happen anywhere — and many flood claims come from areas considered low or moderate risk. We recommend flood insurance for almost all Florida homeowners to avoid costly surprises.
How much does flood insurance cost in Florida?
On average, flood insurance in Florida costs around $545 per year, but rates vary based on your location, home value, and flood zone. We provide personalized quotes to show your exact cost.
What isn’t covered by flood insurance?
Flood insurance generally does not cover landscaping, fences, pools, septic systems, or detached structures like sheds. We help you understand these details upfront so you can make informed decisions.
Can I get flood insurance if I rent my home?
Yes! Renters can purchase flood insurance to protect their personal belongings, even if the building itself is covered by the landlord.
When is flood insurance required in Florida?
Flood insurance is required if your home is in a high-risk flood zone and you have a federally backed mortgage. Even if it isn’t required, it’s highly recommended for nearly all Florida homeowners.
How do I file a flood insurance claim with St. Andrews?
Start by contacting us directly — we’ll walk you through the entire process. You’ll submit details of the loss, pay your deductible, and an adjuster will assess the damage. Once approved, you’ll receive compensation to help you repair and replace what was lost.
- Do I need flood insurance if I don’t live in a high-risk zone?
- Is flood insurance only available through FEMA?
- How much does flood insurance cost in Florida?
- What isn’t covered by flood insurance?
- Can I get flood insurance if I rent my home?
- How does a flood insurance deductible work?
- When is flood insurance required in Florida?
- How do I file a flood insurance claim with St. Andrews?
Local Help, Real Answers
Let’s Keep You Covered — Rain or Shine
At St. Andrews Insurance, we make flood insurance simple and stress-free. You’ll get one-on-one support from our local team, clear explanations of your options, and fast help when you need it most. No call centers. No confusion. Just real people ready to protect what matters most.
