Flood
Not Just for "High-Risk" Zones
A few inches of water can cause devastating damages – to your foundation, furniture, and personal belongings. Go beyond your basic homeowners’ policy and protect the structure of your home and the contents inside from flood, even if you’re not in a high-risk flood zone. Your Leland Smith Insurance agent will work with you to assess your needs and find the best policies from local carriers and the National Flood Insurance Program.
Common Misconceptions
- Homeowners in low-risk areas can still experience loss from flood damage – even from one inch of water.
- Not all water damage is the same. Flood damage specifically describes damages caused from water coming from the ground up, not wind-driven rain.
Standard Building Coverages
- Building & foundation
- Electric & plumbing
- Central air conditioning
- Permanent wall paneling & carpeting
- Building & foundation
- Electric & plumbing
- Central air conditioning
- Permanent wall paneling & carpeting
Standard Belongings Coverages
- Clothing, furniture, electronic equipment
- Kitchen & household appliances
- Personal valuables
Optional Coverages Available
Speak with an agent to assess other assets you may want to cover including:
- Detached garages
- Patios
- Basement