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A Quick Guide to Flood Insurance

October 3, 2019

Did you know that every state in the U.S. experiences flooding? Many standard homeowner’s insurance policies do not offer coverage for flood damage, so purchasing flood insurance in addition to your homeowner’s policy is an easy way to protect your home and family from total loss when it comes to flood damage.

flood insurance

Types of Coverage

Flood insurance protection covers two kinds of insurable property:

Building Coverage – In addition to the building and its foundation, building coverage protects:

  • Electrical system
  • Plumbing system
  • HVAC System
  • Appliances like refrigerators, dishwashers, and stoves
  • Carpeting that has been permanently installed over unfinished flooring

Contents Coverage – This type of coverage is meant to protect personal possessions, including:

  • Furniture
  • Clothing
  • Electronics
  • Portable appliances like window A/C units and microwaves
  • Carpeting not included in property coverage
  • Washers & Dryers

Terms to Know

There are a few terms you might not be familiar with that are used when you’re inquiring about flood insurance. Here’s a brief glossary to glance over to help you better understand this specific type of insurance and the organizations involved:

NFIP – National Flood Insurance Program: The program through which the federal government provides flood insurance.

FEMA – Federal Emergency Management Agency: The federal agency of the Department of Homeland Security responsible for coordinating the government’s response to natural (and manmade) disasters.

FIRM – Flood Insurance Rate Maps: Official flood maps that support NFIP and provide the basis for flood insurance requirements and community floodplain management regulations.

MSC – Map Service Center: FEMA’s official public source for flood hazard information.

Important Questions to Ask About Flood Insurance

When you speak with a licensed agent about getting flood insurance for your home, here are some helpful questions to ask so that you can better understand your home’s risk of flooding and the type of policy that’s best for you:

  1. What flood zone is my home in?
  2. Is the risk of flooding on my property high or low?
  3. When will my policy go into effect?
  4. Is flood insurance required for my property?
  5. How much coverage should I get for my home and possessions?

Looking for Flood Insurance in Maryland?

American Heritage Insurance Agency has been an insurance broker in Maryland for over 35 years. We specialize in both personal and commercial insurance policies and would be happy to discuss your need for flood damage coverage anytime. Contact us today to get started and find the flood insurance plan that works best for you.

What Our Clients Say...

Over and above the time, effort and saved dollars that you put into earning our business – your careful attention to detail in getting our coverage right is what mattered the most. Thank you for educating me about the differences in coverage and for reallocating our insurance dollars to minimize our exposure while maximizing our policies.

- Eric L, President of Jeffrey Press, Inc.

Click here to view the areas that we serve

Frederick County: Frederick (21701, 20702, 21703, 21709), New Market (21774) , Mount Airy (21771), Urbana (21704), Ijamsville (21754), Walkersville (21793), Libertytown (21762), Damascus (20872), and more.

Howard County: Clarksville (21029), Columbia (21044), Cooksville (21723), Dorsey (21075), Elkridge (21075), Ellicott City (21043), Fulton (20759), Glenelg (21737), Glenwood (21738), Granite (21163), Hanover (21076), Highland (20777), Jessup (20794), Lisbon (21765), Marriottsville (21104), North Laurel (20723), West Friendship (21794), Woodbine (21797), Woodstock (21163), and more.

Montgomery County: Olney (20832), Damascus (20872), Laytonsville (20882), Silver Spring (20910), Clarksburg (20871), Gaithersburg (20878), Germantown (20876), Bethesda (20816), Chevy Chase (20815), and more.

Baltimore County: Arbutus (21227), Catonsville (21228, 21250), Cockeysville (21030, 21031, 21065), Dundalk (21222), Edgemere (21219), Essex (21221), Garrison (21055), Lansdowne (21227), Lochearn (21207), Lutherville (21093), Middle River (21220), Milford Mill (21244), Overlea (21236), Owings Mills (21117), Parkville (21234), Park Heights (21215), Pikesville (21208), Randallstown (21133), Reisterstown (21136), Rosedale (21237), Timonium (21093), Towson (21204), White Marsh (21162), Woodlawn (21207), and more.

Carroll County: Eldersburg (21784), Finksburg (21048), Hampstead (21074), Manchester (21102), Marriottsville (21104), Taneytown (21787), Union Bridge (21791), Westminster (21157, 21158), Mount Airy (21771), New Windsor (21776), Sykesville (21784), Woodbine (21797), Taneytown (21787), and more.

We also serve the rest of Maryland and the United States.