Ensure You Are Protected Before the Storm With Flood Insurance
Did you know that home insurance does not include flood coverage? Steffey Insurance gives you access to both FEMA and private flood markets, ensuring you get the right protection at the right price.
What Most Homeowners Don’t Know About Flood Insurance
If your property experiences flooding from a body of water entering from outside your home, you will not be covered unless you have a dedicated flood policy in place. Steffey insurance provides ala carte flood insurance policies that provide the coverage you need during an emergency event.
We handle the comparison work on your behalf, often finding that private market rates for properties in lower-risk areas are significantly more affordable than FEMA options.
Key Benefits:
Access to FEMA and private flood insurance carriers
Independent guidance with no carrier bias
Over 40 years of helping clients protect their properties
Licensed agents who explain coverage in plain language
A Simple Process Designed Around You
01
Tell us about your property
Complete a quick quote request with details about your property and coverage needs.
02
We compare your options
Our team reviews rates across FEMA and private market carriers to find the most competitive coverage for your risk level.
03
We walk you through what you’re buying
Our agents explain exactly what your policy covers to ensure you understand your protection before you commit.
04
Activate your coverage
Once you select a policy, we handle the paperwork and make sure your property is protected.
What Flood Insurance Covers and What It Costs
Flood insurance protects your property from water entering from an outside body of water , while a homeowners policy typically protects against water backing up through drains or sewers. You may need both, and our agents will help you understand the difference before you buy.
A standard flood policy can cover two distinct areas:
- Building Coverage
protects the physical structure of your home, including the foundation, electrical and plumbing systems, HVAC, and built-in appliances. - Contents Coverage
protects personal belongings such as furniture, clothing, electronics, and valuables. Contents coverage is purchased separately from building coverage.
Frequently Asked Questions
No. Flood insurance is purchased separately from your homeowners policy. Standard home insurance does not cover damage caused by flooding.
No. Anyone can purchase flood insurance regardless of their flood zone. In fact, properties outside high-risk zones account for a significant portion of flood claims each year. Private market options are often more affordable for lower-risk properties.
FEMA flood insurance is offered through the National Flood Insurance Program (NFIP) and is government-backed. Private flood insurance is provided by independent carriers and can offer more competitive pricing, particularly for properties not in designated high-risk zones. Our agents compare both to find the best fit for your situation.
FEMA flood policies typically have a 30-day waiting period before coverage begins. Some private market policies may have shorter waiting periods. .
Yes. We provide complimentary coverage reviews so you understand what you currently have and whether a more competitive or comprehensive option is available.
Let Us Take Insurance Off Your Plate
We believe in finding the best insurance solutions tailored to your unique needs. This means no more hours on hold, confusing documents, or wondering if you got a fair deal. For over 40 years, we have been comparing quotes across top carriers nationwide so you get the best coverage at the right price.
Ready to let us handle your insurance for you? Share what matters most to you and we’ll handle the rest.
Looking for Additional Coverage?
Many homeowners bundle multiple policies to simplify coverage and protect against gaps.
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