fire and flood insurance

Fire and flood insurance are two of the additional ways you can protect your home from disasters. You have some fire and flood coverage with your homeowner's insurance. However, there are certain situations only covered under this policy. For example, flooding coverage only applies to accidental floods, such as leaky appliances or pipes.In the event of a fire, homeowners insurance protects your home and belongings against smoke and fire damage. However, you may need additional fire insurance if you live in an area prone to forest fires, such as...[More]

fire and flood insurance

Fire and flood insurance are two of the additional ways you can protect your home from disasters. You have some fire and flood coverage with your homeowner's insurance. However, there are certain situations only covered under this policy. For example, flooding coverage only applies to accidental floods, such as leaky appliances or pipes.In the event of a fire, homeowners insurance protects your home and belongings against smoke and fire damage. However, you may need additional fire insurance if you live in an area prone to forest fires, such as...[More]

federal flood map

FEMA designs the federal flood map with the help of communities participating in flood management. These maps show the level of flood risk. Insurance companies will use flood maps to determine the cost of flood insurance. Low to moderate-risk areas pay less for flood insurance than those at a higher risk. Flood insurance prices also vary with insurance companies.Some people choose private companies over NFIP because they provide higher coverage for higher-priced valuables. So, consider using a private flood insurance company if you have high-va...[More]

federal flood map

FEMA designs the federal flood map with the help of communities participating in flood management. These maps show the level of flood risk. Insurance companies will use flood maps to determine the cost of flood insurance. Low to moderate-risk areas pay less for flood insurance than those at a higher risk. Flood insurance prices also vary with insurance companies.Some people choose private companies over NFIP because they provide higher coverage for higher-priced valuables. So, consider using a private flood insurance company if you have high-va...[More]

flood damage insurance

Flood damage insurance helps protect your property and valuables during a flood caused by severe weather. Home, business owners, and renters can buy flood insurance either through the NFIP or a private insurance agency. No matter the level of flood risk, whether high or low. Without flood insurance, you could spend thousands of dollars on damages.At Holt Flood Insurance, we have over 40 years of experience in the insurance business, with 30 in flood insurance. We have worked with the NFIP and private insurance companies such as the Hartford, Wr...[More]

flood damage insurance

Flood damage insurance helps protect your property and valuables during a flood caused by severe weather. Home, business owners, and renters can buy flood insurance either through the NFIP or a private insurance agency. No matter the level of flood risk, whether high or low. Without flood insurance, you could spend thousands of dollars on damages.At Holt Flood Insurance, we have over 40 years of experience in the insurance business, with 30 in flood insurance. We have worked with the NFIP and private insurance companies such as the Hartford, Wr...[More]

national flood insurance policy

A National flood insurance policy is a separate insurance program covering properties damaged by flooding due to weather. This type of insurance only covers your property if you have purchased it from your insurance agent. And you do not need to own your property to qualify for it.Flood insurance is available to renters, and it is recommended that renters purchase it as their rental property insurance will not cover water damages. And those looking at homes in areas at high risk for flood are required to buy flood insurance before taking out a ...[More]

national flood insurance policy

A National flood insurance policy is a separate insurance program covering properties damaged by flooding due to weather. This type of insurance only covers your property if you have purchased it from your insurance agent. And you do not need to own your property to qualify for it.Flood insurance is available to renters, and it is recommended that renters purchase it as their rental property insurance will not cover water damages. And those looking at homes in areas at high risk for flood are required to buy flood insurance before taking out a ...[More]

best flood insurance

Finding the best flood insurance can be stressful; many different insurance companies all offer the same thing. Protection from water damage and those new to flood insurance may go with the first company they find. At Holt Flood Insurance, we want to help you make the right decision when it comes to buying insurance for their property.We can't stress enough the importance of flood insurance or any other insurance for that matter. Property insurance protects your home and valuables from various circumstances. Such as fire damages, break and ente...[More]

best flood insurance

Finding the best flood insurance can be stressful; many different insurance companies all offer the same thing. Protection from water damage and those new to flood insurance may go with the first company they find. At Holt Flood Insurance, we want to help you make the right decision when it comes to buying insurance for their property.We can't stress enough the importance of flood insurance or any other insurance for that matter. Property insurance protects your home and valuables from various circumstances. Such as fire damages, break and ente...[More]

water damage prevention

Preventing water damage involves a combination of regular maintenance, awareness, and proactive measures. Here are some tips to help you prevent water damage in your home or building:Regular Inspection:Conduct regular inspections of your home, checking for leaks, damaged pipes, and other potential sources of water issues.Inspect your roof for any missing or damaged shingles and ensure that flashing is intact.Check for signs of water stains on ceilings and walls, as they may indicate leaks.Gutter Maintenance:Keep gutters and downspouts clear of ...[More]

water damage prevention

Preventing water damage involves a combination of regular maintenance, awareness, and proactive measures. Here are some tips to help you prevent water damage in your home or building:Regular Inspection:Conduct regular inspections of your home, checking for leaks, damaged pipes, and other potential sources of water issues.Inspect your roof for any missing or damaged shingles and ensure that flashing is intact.Check for signs of water stains on ceilings and walls, as they may indicate leaks.Gutter Maintenance:Keep gutters and downspouts clear of ...[More]

excess flood

Excess flood coverage is a type of flood insurance you can purchase from a private insurance company in addition to your NFIP coverage. NFIP policies only cover damages up to $250,000. While excess flood insurance is another expense, it might be a good idea to purchase it if your home is worth over $250,000. Remember that flood insurance may not cover items stored in a basement damaged during a flood. Holt Flood insurance has over 30 years of flood insurance experience and has served thousands of customers. So when you need help with any of yo...[More]

excess flood

Excess flood coverage is a type of flood insurance you can purchase from a private insurance company in addition to your NFIP coverage. NFIP policies only cover damages up to $250,000. While excess flood insurance is another expense, it might be a good idea to purchase it if your home is worth over $250,000. Remember that flood insurance may not cover items stored in a basement damaged during a flood. Holt Flood insurance has over 30 years of flood insurance experience and has served thousands of customers. So when you need help with any of yo...[More]

Flood level map

A flood level map is an innovative tool that indicates each area's flood risk level. FEMA creates these maps with the help of actively participating communities. There are three types of flood risk, low, moderate, and high. The higher your risk for flooding, the more your insurance will cost. Buying flood insurance doesn't have to be complicated. While flood insurance is only optional for low-risk areas, purchasing it is essential regardless of your flood risk, as it can save you thousands of dollars in repairs. With over 30 years of flood insu...[More]

Flood level map

A flood level map is an innovative tool that indicates each area's flood risk level. FEMA creates these maps with the help of actively participating communities. There are three types of flood risk, low, moderate, and high. The higher your risk for flooding, the more your insurance will cost. Buying flood insurance doesn't have to be complicated. While flood insurance is only optional for low-risk areas, purchasing it is essential regardless of your flood risk, as it can save you thousands of dollars in repairs. With over 30 years of flood insu...[More]

Flood zone insurance costs

Flood zone insurance costs vary between flood risks and the type of coverage. Properties in designated high-risk zones will pay more for insurance than those at a lower to moderate risk. And if you own the home or building, you will need to purchase building and content insurance, whereas renters only need content.In some cases, flood insurance is mandatory. All homes in high-risk flood zones must have flood insurance before the bank releases a mortgage. At Holt Flood Insurance, we recommend everyone buys flood insurance. While it may seem like...[More]

Flood zone insurance costs

Flood zone insurance costs vary between flood risks and the type of coverage. Properties in designated high-risk zones will pay more for insurance than those at a lower to moderate risk. And if you own the home or building, you will need to purchase building and content insurance, whereas renters only need content.In some cases, flood insurance is mandatory. All homes in high-risk flood zones must have flood insurance before the bank releases a mortgage. At Holt Flood Insurance, we recommend everyone buys flood insurance. While it may seem like...[More]

flood data

Collecting flood data is the best way to develop safety and preventative matters for areas prone to flooding. It also helps determine flood insurance costs for those areas. The United States Geological Survey (USGS) is responsible for collecting and storing this data, which is then shared with FEMA and the NFIP.The price of flood insurance depends on the flood risk for the area and the type of flood insurance. For example, areas at high risk for flooding will pay more for flood insurance than those in low to moderate areas. And if you rent your...[More]

flood data

Collecting flood data is the best way to develop safety and preventative matters for areas prone to flooding. It also helps determine flood insurance costs for those areas. The United States Geological Survey (USGS) is responsible for collecting and storing this data, which is then shared with FEMA and the NFIP.The price of flood insurance depends on the flood risk for the area and the type of flood insurance. For example, areas at high risk for flooding will pay more for flood insurance than those in low to moderate areas. And if you rent your...[More]