flood insurance
flood insurance

Flood Insurance for your Home or Business

Available in all 50 states!

Bankers Insurance wants to help you save on flood insurance costs! Know all your options. The National Flood Insurance Program is not your only choice. As an independent insurance agency, we will shop your coverage and present you with available options.

Flood Insurance Quote.

Let it rain!

Your home or business does not need to be located in a flood plain to experience flood damage. Twenty percent of all flood claims occur in moderate or low-risk areas. According to the Federal Emergency Management Agency (FEMA), flooding is the nation’s most common natural disaster, topping hurricanes and earthquakes. Flood can be caused by storm surge (typical in coastal areas) or simply from too much rain.

Flood insurance is not covered by standard homeowners or business insurance policies. It’s that simple. However, quotes are easy to obtain and the coverage is more affordable than you might imagine. Today, not all flood insurance is the same. You have options. Let our experience at Bankers Insurance provide you with a free, no obligation quote.

We Insure


  • Building
  • Contents
  • Outbuildings:  garages, barns, pool houses, etc.


  • All buildings
  • Contents: It is not necessary to own a building to get flood insurance on contents.
  • Equipment
  • Business Interruption

Renters and Condo Owners

  • Contents
  • Building:  For condos, this is that portion of the condo stipulated in the association agreement for which you are responsible, usually from drywall out. Not applicable for renters.

We Offer

  • Quick quotes
  • Streamlined application process
  • Policies underwritten by the National Flood Insurance Program (NFIP), and alternative, private market flood insurance
  • Excess flood
  • Each policy tailored to your requirements
  • Expertise with prompt, courteous service. Each of our clients is assigned a personal agent and given a phone number that rings on their desk.
  • Highly competitive pricing


  • Minimum of $250,000 insured value, building + contents

Flood Insurance Highlights


home flood insurance

Home flood insurance is available for homeowners, renters, and condo owners or renters.

  • NFIP policies cover the home up to $250,000 and contents up to $100,000
  • Private market flood insurance policies cover the home up to $500,000 and contents up to $250,000 (same coverage terms as NFIP)
  • Excess flood policies available for higher limits up to any amount
  • Protection for:
    • Structural damage
    • Home equipment such as furnace, water heater, and central air-conditioning
    • Electrical and plumbing systems
    • Cleanup and mitigation costs
    • all covered losses
  • Pricing averages only $405 per year for low-risk areas. For high-risk areas, request a quote using the form on this page or contact us.

Further Resources


business flood insurance
  • Cover your buildings up to $500,000, contents up to $500,000
  • Excess business flood insurance policies available up to any amount
  • Alternative private market policies available for businesses, providing the same protection as NFIP
  • Protection for:
    • Structural damage to the building
    • Business Personal Property (Contents)
    • Stock and Inventory
    • Tools
    • Equipment
    • Heating systems, water systems, coolers
    • Electrical and plumbing systems
    • Cleanup and mitigation costs

Further Resources:

Flood Insurance Protection

Minimal amounts of water, just and inch in your home or building, can cause significant structural damage. Flooring, molding, wallboard, electrical, plumbing, and even heating and air conditioning systems can all be damaged by even a minor flood event. Cleanup and mitigation costs are a major percentage of every loss. Flood insurance means you’ll be reimbursed for all covered expenses.

Waiting Period

NFIP flood insurance policies require a 30 day waiting period for coverage to go into effect. The waiting period can be waived if a lender is requiring the coverage due to a new home sale or increasing, extending, or renewing a loan. Certain private market flood policies have shorter waiting periods.

Flood Insurance Quotes

Our simple flood quote form is all that is needed to get the process started. Complete it and an agent will be in touch with you in short order. Our form  includes all the information needed to quote a private flood insurance policy, a program offering the same coverage as the NFIP but with a greatly streamlined application process.

Flood Risk

Determining your risk of flood can be determined by by contacting us or by using opens in a new windowFEMA’s flood mapping tool.

Definition of “Flood”

For coverage to apply, a flood needs to occur.  Most flood insurance policies recognize a very broad definition of “flood” which is:

 “A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from: overflow of inland or tidal waters; and unusual and rapid accumulation.”

Flood Causes

Floods are caused by multiple issues, acting alone or together with others.

  • Excessive rainfall
  • Hurricanes
  • Tropical storms
  • Storm surge, rising waters
  • Winter runoff, Spring thaw
  • Dam failure or overload
  • Levee failure or structural degradation
  • Fire – increased runoff due to reduced vegetative uptake
  • El Niño and similar weather cycles

Why Bankers Insurance?

Anyone can be an order-taker. Bankers Insurance is different.

We don’t expect clients to be flood insurance experts. Take advantage of our experience. We can explain options and help you determine coverage that suits your needs.

As your insurance agent, we strive to know you. Only then can we suggest coverage that fits. We look for coverage gaps and offer protection. With us, you get the benefit of:

Accessibility Tools