Flood Insurance
Flood Protection For Your Home
Adding flood insurance to your total insurance coverage options will protect you when groundwater rises—a situation that isn't usually covered by a typical homeowners insurance policy. Tampa (and many other cities throughout Florida) has several low-lying areas, and when weather conditions result in excessive rain or water, then your home, your car(s), and your personal property are at risk for water damage.
Having a flood insurance policy from a reputable carrier will protect your property and provide peace of mind when you need it most.
Do I Need Flood Insurance?
If your home is located in a high-risk flood area and you carry a mortgage from a federally regulated or insured lender, your will be required to carry flood insurance for your home. In these cases, flood insurance is not optional.
But, if your home is located in a low to medium-risk area, then you have the choice to purchase flood insurance or not. Note: your mortgage lender may require you to carry flood insurance even if your home is not located in a high-risk flood area.
Many people do not understand that most homeowners policies do not cover property damage caused by flooding. When considering the purchase of a flood insurance policy, some people consider this important decision to be a simple mathematical calculation - does my monthly budget allow me to easily afford the premium? For those who do not choose coverage, experiencing a flood event can be devastating.
Why Do I Need Flood Insurance?
The situations that most often cause flooding in Florida include heavy rain and severe coastal weather. Florida's extreme weather conditions often occur at specific times of year, but flooding can happen even without extreme weather conditions. In fact, one in five flood insurance claims comes from someone in low to medium-risk areas.
When flooding happens, the results can be catastrophic. If you live anywhere that is susceptible to rising water levels, we strongly suggest you consider having a flood insurance policy.
32 Years of Experience
We have helped thousands of customers, since 1986, to find most dependable and affordable insurance available. The Lovinger team is comprised of the best insurance agents and staff in Tampa, and this means you can rest assured you will get the best insurance options for your situation. It doesn't matter if you need Flood Insurance, Life Insurance, or Auto Insurance - we have a solution for you. Our agents and staff are some of the friendliest folks around, so we're pretty sure you will be happy with the experience. We care about our customers as if they were actual family members, so contact us today and become part of the Lovinger family!
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FREE Flood Insurance Quote
How Much Will I Pay For Flood Insurance?
Unlike other types of insurance, flood insurance pricing is the same regardless of where you purchase it. This is because flood insurance is a national program administered by the federal government (backed by the National Flood Insurance Program). So, no matter where you buy it, flood insurance policies ultimately all come from the same place.