Flood Insurance

Flood insurance designed for your protection

Comprehensive Flood Insurance

At Jacobs Insurance Solutions, we understand the importance of protecting your home from the unpredictable. Flood damage can be devastating, and that’s why we offer customized flood insurance policies to safeguard your property and belongings. Whether you live in a high-risk flood zone or want extra protection against unexpected flooding, our agents work closely with you to provide the flood insurance coverage that fits your needs.

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A black and white icon of a house in the water with a check mark on it.

Building Property Coverage

Floods can cause severe damage to the structure of your home. Building property coverage helps cover the cost of repairing or rebuilding your home’s structure, including walls, flooring, and permanent fixtures.

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Personal Property Coverage

Your personal belongings are valuable, and flood damage can result in significant loss. Flood insurance policies can cover your personal property, including furniture, electronics, and other valuables. We can partner with you to customize personal property coverage to fit your needs, so you can recover from flood-related losses.

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Replacement Cost vs. Actual Cash Value

When it comes to flood insurance, understanding the difference between replacement cost and actual cash value is crucial. Replacement cost covers the cost of replacing damaged items at today’s prices, while actual cash value accounts for depreciation. Jacobs Insurance Solutions offers options, allowing you to choose the level of coverage that best suits your financial goals and recovery needs.

A black and white icon of a house in the water with a check mark on it.

Building Property Coverage

Floods can cause severe damage to the structure of your home. Building property coverage helps cover the cost of repairing or rebuilding your home’s structure, including walls, flooring, and permanent fixtures.

A black and white silhouette of a kitchen with cabinets and appliances.

Personal Property Coverage

Your personal belongings are valuable, and flood damage can result in significant loss. Flood insurance policies can cover your personal property, including furniture, electronics, and other valuables. We can partner with you to customize personal property coverage to fit your needs, so you can recover from flood-related losses.

A black and white icon of a wallet filled with money.

Replacement Cost vs. Actual Cash Value

When it comes to flood insurance, understanding the difference between replacement cost and actual cash value is crucial. Replacement cost covers the cost of replacing damaged items at today’s prices, while actual cash value accounts for depreciation. Jacobs Insurance Solutions offers options, allowing you to choose the level of coverage that best suits your financial goals and recovery needs.

Some basic information that can help you better plan ahead.

  • What does flood insurance cover?

    Flood insurance typically covers damage to your home’s structure and personal belongings caused by rising water or flooding. 

  • Is flood insurance required?

    Flood insurance may be required if you live in a designated flood zone and have a mortgage from a federally regulated or insured lender. Even if it’s not required, flood insurance is a smart investment for homeowners in areas prone to heavy rain or unexpected flooding. 

  • How does flood insurance differ from homeowners insurance?

    Flood insurance is a separate policy from homeowners insurance and specifically covers damage caused by flooding, which is not included in most standard homeowners policies. Flood insurance protects your home’s structure and personal belongings from flood damage. Jacobs Insurance Solutions offers flood insurance policies that work in conjunction with your homeowners insurance to ensure comprehensive protection for your property.

Protect your home from flood damage with tailored insurance

Jacobs Insurance Solutions offers personalized flood insurance policies designed to protect your home and belongings from water damage. Whether you live in a high-risk flood zone or want additional coverage, we will partner with you to find the best flood insurance policy for your needs. Contact us today to get a quote and safeguard your property.