Protect Your Property with Flood Insurance
Reliable coverage for flood damage in Visalia, Fresno, and the Central Valley. Stay prepared for the unexpected.
What is Flood Insurance?
Flood insurance is essential for protecting your property from damage caused by rising waters, heavy rain, and other flood-related events. Standard homeowners and renters insurance policies typically don’t cover flood damage. At Modern Edge Insurance Brokers, we provide tailored flood insurance policies to help you safeguard your home, belongings, and peace of mind.
Key Features of Flood Insurance
Structural Damage Coverage: Protects the foundation, walls, electrical systems, and plumbing of your home.
Personal Property Protection: Covers belongings such as furniture, electronics, and clothing damaged by flooding.
Affordable Rates: Flexible policy options to fit your budget and specific risk level.
Mandatory Coverage for High-Risk Areas: Meets lender requirements for properties in flood zones.
Customizable Options: Additional coverage for basements, detached structures, or high-value items.
Frequently Asked Questions
Is flood insurance required?
Flood insurance is required for homes in high-risk flood zones with federally backed mortgages but is recommended for anyone in flood-prone areas.
What does flood insurance cover?
Flood insurance covers structural damage and personal property losses caused by rising water due to natural disasters or excessive rainfall.
Does homeowners insurance cover floods?
No, standard homeowners insurance does not cover flood damage. A separate flood insurance policy is needed.
How much does flood insurance cost?
Costs depend on your location, property value, and risk level. Contact us for a personalized quote.
Can I buy flood insurance if I’m not in a high-risk zone?
Yes, flood insurance is available for properties outside of high-risk zones and is often more affordable.
