Flood Insurance in Georgia

What is Flood Insurance?

Typically speaking, flood insurance is not covered by homeowners insurance and is a separate policy that is designed to cover the costs associated with damage to your home and belongings during a flood. Building property coverage will help protect the actual structure and components of your home. It can include the foundation, plumbing & electrical systems, cabinets, and flooring. Personal contents coverage pays out for damages to your belongings that are lost during a flood to include appliances, clothing, furniture, and certain valuables.

Is Flood Insurance Required in Georgia?

Flood insurance is not required for every home in Georgia. However, when you purchase a home, the bank will likely require you to buy flood insurance if you are residing in a FEMA deemed high-risk flood area. If this is the case, the mortgage company or bank will instruct you to purchase both homeowners insurance and a separate flood insurance policy. While flood insurance is not legally required, Georgia is prone to floods. So, it is recommended that all homeowners have additional coverage since homeowner's insurance will not cover the cost of damages, and the actual premium cost is relatively negligible.

What is Private Flood Insurance?

If it is deemed that you live in a Special Flood Hazard Area, then you can purchase a flood insurance policy that is not backed by the US Government's National Flood Insurance Program. While this will allow you to shop for rates, it does have several disadvantages like a slower claims process and the risk that your claim may be denied.

Whether you are in Americus, GA, or one of the surrounding cities, Client First Insurance Solutions is ready to assist you with any of your insurance needs. We'll work with you to answer all of your questions while also determining the proper amount of coverage to purchase for your home. Contact Client first Insurance Solutions in Americus, GA to have your questions answered.