Save so much on Flood Insurance you’ll think it was your birthday

Flood insurance can protect you against financial losses due to flooding events. Only problem is, most people don’t get enough flood insurance to cover their homes or businesses. 


Is your home, business or property located in a flood zone? As experienced consultants in the field of flood insurance, Yep Insurance has written thousands of insurance policies for our esteemed clients. We pride ourselves in offering simple, reliable and affordable flood insurance policies designed to give you peace of mind and confidence.


With Yep Insurance on your side, you don’t have to worry about potential flood risks for your property or business. Contact us today for a flood insurance policy near you. 

Any Property Can Suffer Flood Damage

Floods are America’s most common and expensive disasters. 


Natural disasters occur without warning and every property is vulnerable to flooding -- even if it is outside high-risk flood zones. More than 205 of the total claims received by the NFIP (National Flood Insurance Program) were from moderate to low risk flood zones. 


That’s why it’s very important to get flood property insurance to protect the life that you’ve built over many years – even if your home is situated in a low-risk zone. 


Flooding can be caused by a number of reasons, including:


  • Overflow of inland waters from lakes and rivers 

  • Mud flows due to heavy rainfall or surface run-off

  • Collapse of land near waterfronts due to waves, tides and so on


Flooding can also be caused by man-made reasons -- such as land development, break-in piping infrastructure or dam bursts. According to government laws, if you’re located in a high-risk flood zone it is mandatory to have either a NFIP or a private flood insurance policy. 


The good news is that you can purchase flood insurance at any time. Contact us for an instant, no-obligation free flood insurance quote today.

We Offer a 10-Day Waiting Period

If you’re thinking of buying property in a flood zone, mortgage lenders may insist on a flood insurance policy for getting you a loan approval. If your home is located in a SFHA (Special Flood Hazard Area), the federal government mandates that property owners should have an active flood insurance policy. 


In the event of a hurricane, you may end up paying thousands of dollars in out-of-pocket expenses. The prime time for thunderstorms, hurricanes and storm surges is usually between June and November (when the maximum flood damage occurs). 


Why wait until the last minute while waiting for disaster to strike? NFIP policies have a 30-day waiting period before the policy kicks in. We can offer shorter waiting periods before your policy is active. Contact Yep Insurance today for information on coverage limits, premium rates and options.

Homeowner’s and Renter’s Insurance Does Not Cover Flood Damage

Homeowner’s insurance or renter’s policies do not cover any damage caused due to flooding. This is specifically mentioned in the exclusions. You’ll need to purchase flood insurance separately either from NFIP or from a private insurance provider. 


If you live near water (or away from flood risk zones for that matter) and haven’t purchased insurance, you’re taking a big risk. It’s especially risky if your property is worth more than $250,000 -- which is the maximum amount that you can cover under NFIP policies. Don’t forget to include contents coverage for valuable items, such as jewelry or art. 


Be prepared for unexpected flooding disasters and don’t let the devastation affect your finances. Get your personal property insured at the earliest – it’s a worthwhile investment in your peace of mind and well-being.


If you’re considering insuring your home or business, call Yep Insurance for a hassle-free, instant flood insurance quote. Our customer-friendly team can provide detailed information on contents coverage and flood insurance rating maps. 

Compare Flood Insurance Rates

Also keep in mind that in the event of a flooding disaster, federal disaster assistance (low-interest loans provided by the government to recover from disasters) may be limited or even unavailable at times. Federal disaster assistance is only provided if the President declares the event as an emergency. 


It’s not necessary to experience a full-fledged flooding for problems to occur. Even a few inches of water inside your home or property can cause extensive damage and cost you thousands of dollars in repairs and debris cleanup. 


Every hard-earned dollar is valuable. Private flood insurance is a useful alternative to NFIP policies. Commercial and domestic clients are free to purchase flood insurance from private providers to meet mandatory federal requirements. If you’re not satisfied with the premium rates or coverage limits offered by NFIP, you can always opt for private market flood insurance. 

Yep Insurance offers a range of flood insurance policies for every client. Whether you are a business or home owner or a renter, we have the right building coverage for your requirement. Contact us for an online flood insurance quote and take advantage of our competitive premium rates.

We Offer Customized and Affordable Flood Insurance

Private flood insurance can offer several advantages. For example, we can offer higher coverage limits -- which is especially important for homes valued at over $250,000. Trusted private insurance companies are often able to offer twice the coverage amount. If you need to maximize your coverage, feel free to call our insurance agent today. 


Another benefit is that you get covered for contents such as jewelry, collectibles, antiques and so on -- while the NFIP policy may pay out only about $2500 for contents. The policy generally lists all contents under a single category. You can customize your contents and have each of them valued and insured. This level of customizability may not be possible with NFIP insurance. 


In addition, you may also be able to get replacements at cost instead of depreciated value. NFIP insurance usually involves calculating Actual Cost Values (ACV) which means depreciation is deducted prior to playing the claim. 

Our flood insurance policies can also cover you for additional living expenses in the event that your home becomes uninhabitable. Private flood insurance quotes may also be cheaper than NFIP premium rates depending on the area and type of property or business. 

  • Black Facebook Icon
  • Black LinkedIn Icon
  • Black YouTube Icon
  • YepInsurance instagram