As Seen in Builder: How Landsea Homes Helps Lock Down Closings
Westwood Insurance Agency is featured in a recent Builder article with Michelle Byrge, VP of Corporate Sales and Marketing at…
Flood Insurance
Flooding can happen anywhere at any time - even outside high-risk areas. Most homeowners policies don't cover flood damage, leaving your home and belongings at risk.
Why Flood Insurance?
Call us for a quote or questions regarding flood Insurance if you live in AK, AR, CO, HI, KY, LA, MA, MT, OK, VT or WY at 888-543-6179.
- A homeowners insurance policy or renters insurance policy does not cover flood damage.
- You don’t have to live near a body of water to get flooded—heavy rains are often the cause of flooding.
- Floods and flash floods happen in all 50 states.
- Flood insurance costs less than you think.
- Just an inch of water can cause more than $25,000 of damage to your property.
- If you don’t live in a designated flood zone, your rates will be lower.
What's Included In Flood Insurance?
A dwelling and personal property flood policy offers protection for damage or losses up to the limits spelled out in your personal flood policy. Coverage includes:
Home coverage
- Your home and its foundation
- Electrical and plumbing systems
- Air conditioning, furnaces, and water heaters
- Kitchen appliances
- Flooring
- Bookcases and cabinets
- Debris removal
Personal property
- Clothing, furniture and electronic equipment
- Window coverings and window AC units
- Portable microwaves and dishwashers
- Carpets not covered by your building policy
- Dishwasher, washer, dryer and microwave ovens
- Freezer and food spoilage
- Up to $2,500 in art, jewelry and furs
The National Flood Insurance Program and FEMA
The definition of a flood per the National Flood Insurance Program and FEMA is:
A general and temporary condition of partial or complete inundation of 2 or more acres of normally dry land area or of 2 or more properties (at least one of which is the policyholder’s property) from:
- Overflow of inland or tidal waters
- Unusual and rapid accumulation or runoff of surface waters from any source
- Mudflow
Source: floodsmart.gov
Westwood News and Insights
Top Tips to Protect Your Jewelry
For many people, jewelry has sentimental value and meaning that cannot be replaced. That’s why it’s essential to take good…
10 Ways to Keep Your Pets Safe in Cold Weather
Companion animals are just as susceptible as people to the risks of frigid temperatures. As you prepare your home and…
Going Away? Read These 10 Tips to Secure Your Home
Nearly half of Americans plan to travel this holiday season—a time when burglary rates rise as much as 20%. Keep…
As Seen on The Builder’s Daily: Offering Builders Certainty in an Uncertain Home Insurance Climate
Alan Umaly, President of Westwood Insurance Agency, explains why builders are increasingly adopting embedded home insurance, providing buyers with insurance…
Most Popular Thanksgiving Side Dish by State
Turkey isn’t the only star of the show on Thanksgiving. Americans love their side dishes, with 67% stating they actually…
