national flood insurance policy

A National flood insurance policy is a separate insurance program covering properties damaged by flooding due to weather. This type of insurance only covers your property if you have purchased it from your insurance agent. And you do not need to own your property to qualify for it.

Flood insurance is available to renters, and it is recommended that renters purchase it as their rental property insurance will not cover water damages. And those looking at homes in areas at high risk for flood are required to buy flood insurance before taking out a mortgage. At Holt Flood Insurance, we can help you better understand all about flood insurance and find a rate that works for you.

A National flood insurance policy will cover the following should they become damaged in a flood, electrical systems, appliances, flooring, cabinets and paneling, furnaces, water heaters, central air units, personal belongings, and much more. How much you pay for flood insurance depends on a few factors. Such as flood risk level for your area, the type of coverage you have, your home's age, and if you've done anything to reduce your flood risk, like elevating your utilities, installing flood openings, and more.

For more information on the National flood insurance policy, 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.

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Here is what our clients are saying about us:

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

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