Flooding can cause significant damage to homes and belongings, leaving you in distress. However, with the right flood insurance coverage, you can safeguard your property and be prepared for whatever nature brings your way.
Living on or near the Ohio River or another body of water comes with many enjoyable benefits. The river, lake or salt life is a relaxing one; however, many people balk at the thought of flood insurance when looking for a new home or property. At Waters Insurance that does not need to be a roadblock.
Waters Insurance Agency offers insurance products through the private market. These policy premiums are much lower than the National Flood Program. We represent not one - but seven private flood carriers for residential properties and six carriers for commercial properties. More options mean more opportunity for better pricing and better coverage.
Not living in a flood zone?
A common misconception is only those living in one need flood insurance. That is not necessary the case. Flooding in low-risk areas accounts for 20 percent of all flooding.
Flooding can occur due to:
Heavy rain
Melting snow
Tropical storms or hurricanes
Levee or dam failures
Most homeowners policies to not cover flood damage. You need a separate policy for that. The good news is inexpensive flood policies, also known as “preferred risk,” are available for properties in these low-risk areas.