Protect Your Home with Flood Insurance
One inch of water in your home can cost over $40,000 in repairs and displace you from your home or office for several months. And your homeowners policy likely doesn't cover it at all. We will walk you through everything so that you can enjoy your property rain or shine.
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What Does Flood Insurance Cover?
Flood insurance covers the cost of repairing or replacing damaged property caused by a flood. But there are several things to consider when purchasing flood coverage, and some flood insurance policies are simply optional. We'll have an in-depth discussion about your choices so you feel secure in your decision.
Home Structure Protection
Repairs to foundations, walls, and built-in systems like HVAC and water heaters.
Personal Property Coverage
Furniture, electronics, and clothing damaged by floodwater. Purchased separately.
Cleanup and Debris Removal
Pumping out standing water and hauling away what the flood ruined.
What Flood Insurance Does Not Cover
Knowing the gaps before a storm is the difference between a smooth claim and a hard surprise. Here is what falls outside a standard flood policy.
Vehicles
Cars and trucks fall under auto coverage, not flood.
Outdoor Property
Pools, decks, fences, patios, and landscaping.
Temporary Living Costs
Hotels and meals while your home is being repaired.
Temporary Living
Costs for displacement if home is uninhabitable.
Finished Basements
Below-grade walls, flooring, and furnishings.
High-Value Items
Art, jewelry, and furs carry strict dollar caps.
Preventable Mold
Growth you could have reasonably stopped after the water receded.
Damage Before Coverage Starts
Most policies do not take effect for 30 days.
Earth Movement
Sinkholes and landslides, even when water caused them.
Flood Insurance Terms, Explained
A few terms come up in every flood policy conversation. Here is what they mean in plain language.
Building Coverage
The structure itself. Foundation, walls, wiring, plumbing, and built-in systems.
Contents Coverage
Your belongings. Bought separately from building coverage, and easy to forget.
Deductible
What you pay before the policy pays. Building and contents each carry their own.
Waiting Period
The gap between buying a policy and coverage starting. Waiting for the forecast is too late.
Flood Zone
A FEMA map designation for your property. It affects both price and requirements.
Elevation Certificate
A document showing how high your home sits against expected flood levels.
Replacement Cost Value
Pays to replace at today's prices, with no deduction for age.
Actual Cash Value
Pays what the item was worth after depreciation. The older it is, the smaller the check.
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How Much Does Flood Insurance Cost?
There is no flat rate for flood insurance. Two homes on the same street can pay very different premiums. Here is what can play a part.
Distance to Water
How close your home sits to a river, lake, or coastline.
Elevation and Foundation
First floor height, foundation type, and number of stories.
Cost to Rebuild
What it would take to rebuild your home, not what it would sell for.
Your Coverage Choices
The limits and deductibles you pick for building and contents.
Flood History
How often the area floods and whether the property has claims on record.
Flood Zone
Determines whether your lender requires coverage. It is no longer the main price driver.
4 Locations, Always Just A Call Away
Our home is the southeast. While we're also licensed in and proudly serve Alabama, Arkansas, and Mississippi, we have four locations throughout Georgia and Tennessee.
Flood Insurance Coverage You Can Rely On
Caring Claims Service
Customized Policies
Local Expertise
Direct Line to Your Agent
Simplified Protection Our Hassle-Free Insurance Process
Where Your Peace Of Mind Is Our Priority. We Understand That Finding The Right Insurance Coverage Can Be Overwhelming, Which Is Why.
What Customers Say on Google
Unedited reviews from our Google Business Profile. Read all of them there.
2nd year with Peachy, and they're very client-focused. They reached out to conduct a coverage review, and I spoke with Frankie, who was great at pointing out the pros & cons of different options in a no-pressure approach.
Yumna Ali
Very informative and helpful. Also helped me add an extra service to my new vehicle that will help incase i ever get total out👊🏾
Livingston Lewis
The agent was very helpful and very knowledgeable about my situation and my concerns and took time to explain everything
Lavander Hines
Answers To Important Flood Insurance Questions
Here are just some of the most frequently asked questions we receive about flood insurance, with some brief answers. Don't see your question answered here? We're only a call away and happy to advise at any time.
