Flood Insurance in Illinois

Although a few inches of water may not seem like much, these few inches may cause significant damage, costing lots of money in repair and restoration. Did you realize that homeowners insurance excludes flood coverage? You may protect yourself by purchasing flood insurance coverage in Crystal Lake, IL via August Vincent Insurance Agency.

While flood insurance may not seem as vital as homeowners insurance, it is critical if you want to keep your beautiful family and assets safe. Flood insurance protects against damages caused by large and prolonged rainfalls, storm surges, clogged storm drainage systems, and snowmelt, among other things.

Our flood insurance agency offers different types of coverage at our East Moline, Crystal Lake, IL, or Davenport, IA offices, depending on your location and flooding history:

Standard Flood Insurance

If you live in a neighborhood that engages in the NFIP, a conventional flood insurance policy can cover your home and its contents. The Government came up with the National Flood Insurance Program (NFIP) to assist communities that "voluntarily participate in the NFIP by implementing and implementing floodplain management regulations to mitigate future flood damage." Floodwaters must cover a minimum of two acres or affect a minimum of two properties to be deemed a flood. If you opt to invest in a standard flood insurance policy, you must apply separately for building and possessions coverage.

Flood Insurance for Preferred Risk

If your business or home is located in a moderate or low-risk zone, it may be eligible for low-cost preferred risk coverage. While flood insurance is not required in low-to-moderate risk zones, a preferred risk policy will cover your property and its belongings in the event of a small flood or a larger storm that extends into your low-risk area. In reality, the majority of flood insurance claims come from locations with low-to-moderate risk.

Do not procrastinate until it is too late. Contact August Vincent Insurance today to begin the process of obtaining competitive and extensive flood insurance coverage. Don't hesitate to visit our insurance offices in East Moline, Crystal Lake, IL, or Davenport, IA for reliable flood insurance products.