Your home and belongings need separate attention
NFIP building and contents coverage have separate limits and deductibles. Private policies vary, so it is important to compare the coverage as well as the price.
For coastal homeowners
Flood insurance for your Coastal Georgia home.
We’ll help you compare building and belongings coverage for a primary home, vacation home, or townhouse.
A good place to start
Tell us about the property and what you want to protect.
Every home is different. Its elevation, foundation, use, flood zone, replacement cost, and current coverage can all affect the options available.
Elevated homes need a closer look
Enclosures and belongings below an elevated building’s lowest floor can face significant limitations. Confirm what is stored below and how the area is finished.
A flood zone is only part of the picture
Flood maps guide lender requirements and floodplain management, but the home’s construction, drainage, and elevation still matter.
Helpful information
Bring these details to a home quote
Most homeowners policies do not cover direct flood damage. Read the actual flood policy form, limits, deductibles, and exclusions before choosing coverage.
- Property address and intended use
- Approximate replacement cost, if known
- Foundation and number of stories
- Elevation certificate, if available
- Current flood declarations page, if insured
- Desired effective date and lender deadline
Helpful resources
Check the details from trusted sources.
These official resources can help with program rules and flood maps. Your issued policy is always the final word on coverage.
Questions we hear often
Know what to ask before you decide.
These answers are a helpful starting point. Your policy documents and confirmation from the insurer provide the final answer.
Does homeowners insurance include flood coverage?
Most homeowners insurance does not cover direct flood damage. Flood coverage is generally purchased separately through the NFIP or a private insurer.
Can I insure belongings as well as the building?
Yes. NFIP building and contents coverage are selected separately. Private policies may package or structure these coverages differently.
Do I need an elevation certificate?
Not every quote requires one, but it can clarify a building’s elevation and may help with underwriting or pricing. Share one if you already have it.
We’re happy to help
Need a flood insurance quote?
Tell us what you know about the property. We’ll help with the rest and explain your options in plain language.