Flood Insurance
Flood Insurance provides financial protection against damage caused by rising water, heavy rainfall, and overflow from rivers or drainage systems. Standard property policies typically do not cover flood damage, making this specialized coverage essential for protecting property, belongings, and long-term financial security.
Protection When Rising Water Threatens Your Property
Flood damage can happen quickly and often without much warning. Just a few inches of water can cause thousands of dollars in structural damage and loss of personal property. Flood Insurance helps cover repair costs, replacement expenses, and recovery efforts so property owners are not left paying out of pocket after a disaster.
Building Coverage
Helps pay to repair or rebuild the structure after flood damage, including foundation, electrical, and plumbing systems.
Contents Coverage
Covers personal belongings such as furniture, appliances, and inventory damaged by floodwaters.
Basement & Equipment Protection
Provides limited coverage for essential systems like furnaces, water heaters, and electrical panels.
Commercial Flood Coverage
Protects business property, equipment, and building structures from costly water damage losses.
Insurance Unlimited Benefits
Local Expertise
We understand life in the West and the risks that come with it. From mountain roads to sudden storms, our team knows how to match coverage to the realities of our communities.
Personal Relationships
Insurance is not one size fits all. We take the time to get to know you, your family, or your business so your coverage reflects what matters most.
Trusted Support
When the unexpected happens, you will have a partner who stands with you. Our agents are here to guide you through claims, answer questions, and provide peace of mind every step of the way.
Homeowners
Protects the home’s structure and personal belongings from costly flood damage not covered by standard home policies.
Business Owners & Property Investors
Helps safeguard commercial buildings, equipment, and rental properties from significant financial disruption after flooding.
Protection That Goes Beyond the Flood Map
Flood Insurance is designed for homeowners, landlords, and business owners who want protection from one of the most common and costly natural disasters. Even properties outside designated high risk zones can experience flood losses.
Real Stories from
Our Community
We’re proud to protect what matters most to our neighbors. These real stories from real clients reflect the trust, service, and peace of mind that define Insurance Unlimited.
Frequently Asked Questions
Your success is at the heart of everything we do. As trusted insurance agents, we’re here to provide clear answers and expert guidance, helping you navigate challenges, uncover opportunities, and achieve lasting growth.
Is flood damage covered under homeowners insurance?
No. Standard homeowners and commercial property policies typically exclude flood damage. A separate Flood Insurance policy is required.
Do I need flood insurance if I am not in a high risk zone?
Flooding can occur anywhere. Many flood claims come from moderate or low risk areas, making coverage valuable even outside designated zones.
Is there a waiting period for flood insurance?
Most policies have a waiting period before coverage begins, often 30 days. Planning ahead is important to avoid gaps in protection.
Ready to Get Started?
Protect your home, your business, and your future. With Insurance Unlimited, you’re covered every step of the way, from plains to peaks.
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