Flood insurance in North Carolina, South Carolina and Virginia

Just because you don’t live in a high flood risk area, doesn’t mean it’ll never happen to you. We’ll provide the specialized coverage you need to help protect your home from rising waters – even if you’re not in a flood zone.

Three major myths about flood insurance mean you could be taking an unnecessary risk.

The first is that flood insurance is only needed for people living in designated flood zones. In reality, flooding is a potential risk everywhere and the damage can be devastating.

Another myth is that homeowners insurance automatically includes flood coverage. It does not. Flood protection must be secured by a separate policy.

The third myth is that government programs have taken care of flood insurance. There is a National Flood Insurance Program that guarantees the availability of insurance in specific areas. However, this only covers a tiny percentage of American homes.

For most homeowners, floods are a low-likelihood but high-cost risk. If you are hit by flooding you could lose many or most of your personal possessions, face major reconstruction work, and be left homeless for months while your property is made habitable again. In most cases, not having flood insurance is a chance you simply can’t afford to take.

Floods are considered to be major catastrophes and can cause more property damage then any other form of natural disaster.  You do not have to be in a flood zone to be flooded!

Do you know if you are at risk?  Let us check the flood maps for you. Your Homeowners insurance policy does not cover you for flood. Hurricanes and wicked storms are increasing each year. Flood losses are becoming more common. A flood policy cannot be bound the day requested. There is a 30-day waiting period, so don’t wait to purchase when you hear a storm is coming. Protect your home, and personal contents today.

Contact us and we’ll help explain the benefits of obtaining a separate flood insurance policy.

Let’s discuss your flood insurance.

One of our insurance agents will reach out to you to review your information and present you with the appropriate flood insurance solution. There’s no obligation, just good-old-fashioned advice.
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Dare Insurance Agency offers comprehensive flood insurance throughout the Carolinas and Virginia including, Matthews NC, Weddington NC, Charlotte NC, Mint-Hill NC, Indian Trail NC, Monroe NC, Shelby NC, Waxhaw NC, Greensboro NC, Raleigh NC, Little River SC, Myrtle Beach SC and Union, Mecklenburg, Wake, Guilford, Brunswick and Horry counties.