When it comes to buying flood insurance, there can be a lot of confusion about whether to purchase it. Some property owners choose to buy it, while others will not unless it's required for a mortgage. As an insurance company specializing in flood insurance, we recommend that everyone purchase it, regardless of the level of flood risk.
The best way to completely protect your home is with flood insurance. Home insurance has some flood protection, but it only covers accidental flooding such as a burst pipe or leaking appliance. So, if you are away from home and a pipe has burst, the damages are covered. However, if a storm causes a flood and you don't have additional flood insurance, you are responsible for paying the damages out of pocket.
When buying flood insurance through the NFIP or an insurance agency. Insurance through the NFIP is available at a low cost, but there may not be as many coverages as insurance purchased through an insurance agent. At Holt Flood Insurance, we can help you find the best insurance plan for your family, whether it's through the NFIP or one of our many other agencies.
For more information on buying flood insurance and our services, visit our website or give us a call at (540)809-1415. We will answer any questions you may have. Contact Holt Flood Insurance today.
We contacted Mr. Holt for an estimate via email over the weekend prior to a closing on a property, hoping for a response on the following Monday to take with us with confidence in being insured at the settlement table on a Tuesday. He exceeded our expectations not once but in readily responding to the initial request and then to follow-up questions all during the weekend frenzy that occurs before closing. "Impressive and responsive customer service," for sure! Ken Reuwer I have no problem giving you an A1 reference for taking care of the flood policies for me and Diane. I appreciate you working with the mortgage company: the surveyor and our previous agent. The result was a 75% reduction in our flood insurance premiums! Mike Edwards I have known Tim for many years and he is a man with great integrity, work ethic and one of the nicest persons I know. Over the years Tim has provided insurance counseling and advice to our company, for myself personally, as well as to our clients. Recently Tim, took time to analyze our flood insurance policy and he was able to make some excellent recommendations. Our flood insurance costs are now less and we have much better coverage. I recommend Tim to anyone without hesitation or reservation. Edward Semambya, CPA
