Standard flood insurance policy


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Standard flood insurance policy

A standard flood insurance policy covers damages to your property. It can pay for the costs to rebuild your home for its value, damages incurred or your policy's liability limit. Contents are not included in this policy as they are separate. You will need to purchase content insurance to have everything covered.

You can purchase flood insurance through the NFIP or a private insurance company. Depending on your home's value, under $250,000, you can buy cost-effective insurance through the NFIP. If your home is worth more than $250,000, you must purchase your insurance through a private flood insurance company. Homes inside high-risk flood areas must have flood insurance before mortgage companies can release a loan. We work with the NFIP and private flood insurance companies at Holt Flood Insurance.

A standard flood insurance policy covers the building and foundation, HVAC systems, electrical systems, stoves, fridges and built-in dishwashers, flooring, walls and panellings, detached garages and debris removal. Content insurance covers personal belongings, curtains, portable and window AC units, portable dishwashers and microwaves, freezers and the food in them, washers and dryers and up to $2,500 worth of valuables. Flood insurance coverage does not include swimming pools, hot tubs and anything outside the home.

For more information on a standard flood insurance policy, visit our website or call (540)809-1415. We will answer any questions you may have.



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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

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

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


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