Flood Insurance

Flood insurance is like a safety net for your home or business, protecting them from costly water damage caused by heavy rains, hurricanes, or flooding. If you live in a high-risk area, it’s often required by lenders. At Rockhurst, we know how important it is to protect your property from unpredictable disasters. Our flood insurance options offer peace of mind, so you can feel prepared for whatever comes your way.

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Why flood insurance?

Wondering if flood insurance is right for you? Since regular home insurance doesn’t cover flooding, having a specific policy in place is essential to protect your property or business. It’s not just about having coverage; it’s about gaining peace of mind, knowing your assets are safe from unexpected natural disasters. Let us help you build a solid defense against floods and keep your future secure.

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What does flood insurance cover?

Flood insurance typically covers two main areas: your building and its contents. FEMA's National Flood Insurance Program (NFIP) offers up to $250K for building damage and $100K for personal property. For businesses, coverage can extend up to $500K for the structure and up to $500K for contents. Private insurance may offer even higher limits and added benefits like loss of use and coverage for other structures. At Rockhurst Insurance, we provide both NFIP and private market options, helping you find the right plan for your needs and budget.