Flood Insurance
Standard homeowners insurance doesn't cover flood damage. Find out if flood coverage makes sense for your property.
Flood Coverage for Florida Properties
Florida experiences more flooding than almost any other state, and Gainesville is no exception. Heavy rains, tropical storms, and hurricanes can cause flooding even in areas not designated as high-risk flood zones. Understanding your flood risk is an important part of protecting your property.
Why Homeowners Should Ask About Flood Insurance
Many homeowners are surprised to learn that standard home insurance policies exclude flood damage. If your home is in a FEMA-designated flood zone and you have a federally backed mortgage, flood insurance may be required. But even outside high-risk zones, flooding can occur, making coverage worth considering.
Flood Insurance Guidance in Gainesville
At Cubbedge-Wiggins Insurance, we can help you understand your property's flood risk and discuss coverage options. Flood insurance is available through the National Flood Insurance Program (NFIP) and private insurers. We help Gainesville homeowners navigate their choices and find appropriate protection.
Coverage Options to Discuss
- Coverage for building structure damage from flooding
- Protection for personal belongings and contents
- Separate coverage for basement contents
- Available through NFIP and private insurers
- Required for homes in high-risk flood zones with mortgages
- 30-day waiting period waiver available for new purchases
Ready to Discuss Your Coverage?
Contact a local Gainesville insurance agent at Cubbedge-Wiggins Insurance for personalized guidance.