• Flood Insurance Naples, FL

Flood Insurance For All of Naples, FL

Did you know the highest ranked natural disaster in the United States according to FEMA, is flooding? Many homeowners in Florida are surprised to learn their homeowners insurance policies don’t cover flooding events. This fact puts residents along or near Florida’s coast in a difficult position. For coastal residents and others who live in flood-prone areas, proper flood coverage is crucial.

While most flood policies are issued under FEMA, we have several companies that may be able to provide better coverage and price than FEMA issued policies. Whether you choose a FEMA flood or a non-FEMA flood insurance policy, Ashworth & Sachs offers the best customer service when looking for flood insruance in Naples, FL. 

Flood Insurance in Florida

How Does Typical Home Insurance Define ‘Flooding?’

While things like indoor flooding due to broken pipes are covered by most homeowner’s policies, natural disasters may not have the same coverage. However, other kinds of damage classified as “flood damage” under standard home insurance and flood insurance policies aren’t quite so obvious. In other words, your house doesn’t need to flood with rainwater to sustain “flood damage.” As specified in typical homeowners and flood insurance policies, flood damage also includes:

  • Rain damage
  • Storm surge damage
  • Mud damage

It’s a guarantee that your existing home insurance (or any home policy you’re considering for purchase) won’t cover the above events.

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Where Can I Buy Flood Insurance in Naples, FL?

The overwhelming majority of flood insurance policies across the US—including in Florida—are sold under the National Flood Insurance Program (NFIP). The NFIP is administered by the Federal Emergency Management Agency (FEMA).

To purchase FEMA flood insurance, you must go through an NFIP-Direct-affiliated agency. Ashworth & Sachs Insurance Services has sold flood insurance through NFIP for many years.

Flood Insurance, Florida flood insurance

What Type of Flood Insurance Do I Need?

Our dedicated Flood Team at Ashworth & Sachs Insurance Services Agency will work with you to determine the Flood Zone your Home is in and explain ways that you may be able to lower your cost of Flood Insurance. We can determine the correct amount of coverage for your property and provide options from multiple Flood Insurance companies in the sunshine state.

NFIP flood insurance policies come in two types:

Standard Flood Insurance

These policies are designed for residents who live in communities with an active and ongoing flood management plan. Such communities must also be able to demonstrate that they have enacted certain NFIP guidelines to reduce flood-based damages.

Preferred Risk Flood Insurance

These flood policies are designed for residents living in low-to-moderate risk zones. Such residents aren’t necessarily required to purchase flood insurance but have this option in case they experience a small flood or even an unexpectedly large one. Since preferred risk buildings are in an area less likely to experience a flood loss, property owners pay less money for the same amount of coverage.

Ashworth & Sachs Insurance Services Sells FEMA Flood Insurance

If you’re shopping for flood insurance in Naples, FL, we’d love to hear from you! As an NFIP-Direct-affiliated agency, we can help you find and purchase an appropriate flood insurance policy. We’re glad to speak with you about flood insurance and to answer all your questions too. For a free flood insurance quote, call Ashworth & Sachs Insurance Services today at 239-566-3355 or 888-853-6106. You can also fill out our online quote form.