What is flood insurance?
Flood insurance is a specialized policy designed to protect property owners from financial losses caused by flooding. Unlike standard homeowners’ insurance which typically excludes flood damage, flood insurance provides coverage for structural damage and personal belongings affected by rising water.

There are two types of coverage which we offer
• National Flood Insurance Policies (NFIP) – which are backed by the Federal Government.
• Private flood options that can provide higher coverage limits and additional endorsements not offered by NFIP

Do I need flood insurance?
Flooding can happen anywhere, not just in coastal states or high-risk areas. In fact, nearly 25 percent of flood insurance claims come from low- to moderate-risk zones.

If your property is in a high-risk flood zone, your mortgage lender may require flood insurance. Even if it’s not required, having coverage can save you from expensive out-of-pocket costs. Flood repairs can be financially overwhelming, so it’s important to assess your risk and consider coverage before disaster strikes.

Our recommendation is that all clients should purchase a flood policy – some coverage is better than no coverage when a disaster strikes.

How much does flood insurance cost?
According to FEMA, the average cost of flood insurance in the U.S. is around $800 per year, but your actual premium will depend on several factors. Your flood risk, property elevation, coverage limits, deductible, and local flood history all play a role in determining the cost.

If your home is in a high-risk flood zone, you’ll likely pay more, while homes built above Base Flood Elevation (BFE) or with flood-resistant features may qualify for lower rates. Your deductible and any past flood claims in your area can also affect pricing.

Reviewing your policy each year and taking proactive steps, like elevating utilities or improving drainage, can help you manage costs and strengthen your home’s protection.

How does flood insurance work?
Flood insurance helps cover the cost of repairing or replacing your home and belongings after a flood (think rising water or storm surge), up to your policy limits.

If your property is damaged, you’ll file a claim with your insurer, document the damage with photos and receipts, and work with an adjuster to assess your losses. Once your claim is approved, you’ll receive payment based on your coverage and deductible.

Since policies have specific limits for both your home and personal belongings, it’s important to understand what’s covered so you can be prepared.

What does flood insurance cover?
Flood insurance generally provides protection for the direct physical damage caused by flooding (e.g. rising water and storm surge) to both your home and personal belongings. Coverage is divided into two main areas:

Building property coverage
This covers the structure of your home and key systems, up to $250,000 for NFIP policies, and typically includes:
• Foundation, walls, and staircases
• Electrical, plumbing, and HVAC systems
• Water heaters and fuel tanks
• Built-in appliances, like dishwashers and refrigerators
• Permanently installed flooring and carpeting
• Detached garages (limited coverage)

Personal property (contents) coverage
This generally covers your belongings inside the home, up to $100,000 for NFIP policies, and typically includes:
• Furniture and electronics
• Clothing and valuables (limited coverage for items like artwork and jewelry)
• Washers, dryers, and portable freezers
• Curtains and rugs

Many times, clients will not purchase contents coverage to save money, or because of their mortgage lender does not require it. However, we strongly recommend you purchase contents coverage to help you and your family in case of a loss.

What does flood insurance not cover?
Flood insurance typically has certain exclusions, so it’s important to know what’s not covered. Most flood policies do not cover:

• Temporary housing if your home becomes unlivable
• Outdoor property, like landscaping, decks, pools, fences, and patios

Reviewing your policy with an insurance agent can help ensure you have the protection that is right for you.

How can I get flood insurance?
Getting flood insurance is easier with Pineapple Insurance. As an independent insurance broker, we compare options from top providers to find the best coverage for your needs and budget.

Our knowledgeable advisors will assess your flood risk, explain policy details, and help you secure the right protection for you. Contact us to get a quote that is specific to your needs.

How can I get flood insurance protection for my auto?
To protect your car from flood damage, you'll need comprehensive coverage as part of your auto insurance policy. Comprehensive coverage is optional coverage but one that provides valuable protection in case your car is flooded

To have one of our agents review your policy – get an Auto quote.

Why should I get insurance quotes through a broker?
Finding the right insurance coverage can be overwhelming, but an experienced broker makes it easier. Here’s how Pineapple Insurance can help:
• More choices, better savings: We compare multiple insurers to find the best coverage and exclusive discounts.
• Tailored coverage: We help ensure you get the protection that is right for your unique circumstances
• Hassle-free shopping: We handle research and comparisons, saving you time and effort.

Let one of our experienced agents help you explore your flood options – Get a quote.