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Flood Insurance

One inch of water can do $25,000 in damage

Floods, mudslides and sewer backups are generally not covered by your homeowners policy. Those who live in flood zones are encouraged — and often required — to protect their homes with a flood policy. However, one in four floods occur outside of high-risk areas, so it is worth considering flood coverage even if you live outside the flood plain.

Your agent at Guaranteed Rate Insurance is an expert in protecting your home and will help you decide if flood coverage makes sense for you. If you have questions or need to make a change to your policy, help is always a call away.

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Flood Insurance Basics

  • Building & Personal Property

    Your home, garage and belongings are protected from floods and flood-related damages.

  • Putting Things Right

    Flood insurance can help with debris removal, replacing drywall, appliances and more. Please be aware that coverage is limited for basements. Talk to your agent for details.

  • Displacement

    Temporary living costs, like food and hotels, are covered while your home is being rebuilt.

  • Building Code Upgrades

    Older homes may need to be rebuilt to code. The additional cost of these upgrades may be covered.

Save By Bundling

Save even more with a multi-policy discount when combining auto, home, renters and condo insurance.

What our customers are saying...

  • In two words: Great service.

    Soad K.
  • My representative responded in a timely manner. She searched for the best coverage and price for our new town home. Meghan gave us excellent professional service!

    Barbara L.
  • The team at Guaranteed Rate Insurance continues to exceed our expectations by far. From day one, the insurance experts have been customer friendly, knowledgeable and just plain awesome. They care about you in every way.

    Henry P.
  • Everyone I dealt with knew my name, knew my coverage, and answered my questions in terms I could grasp. No one tried to “sell” me. I will continue to do business with these people, now and in the future.

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  • A one-stop shop! Amazing customer service! Straight shooters — like dealing with a great family member. Would highly recommend!!!

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    Ryan K.
  • Our agent is super quick to respond to questions, provides information about anything I’m curious about, and works hard to keep our premiums low. We’re super happy that she works so hard for us!

    James M.
  • Who I worked with was so kind and friendly. She made sure I knew what was going on. She got our insurance quick.
    — Cassie S.

  • I appreciated you all being patient with me and my father. It was my first time and I had a lot of questions and made mistakes. And, considering how unprecedentedly busy you all are this time of year, the responses were prompt enough. I appreciated the help very much.
    — Krishan A. 

  • We had many questions through the process and she was very thorough and prompt with her replies. She got us the coverage we needed at an incredible value – cutting my car insurance in half and finding us a home insurance plan that was incredibly affordable. We are thankful to her and Guaranteed Rate Insurance for getting us the coverage we needed with little to no effort from us.
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  • How can I better the best.
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  • An easy experience it has been getting our mortgage and homeowners through Guaranteed Rate. They have made a harrowing experience so very easy; they streamline any process that needs to be completed and answer all questions with patience and clarity! I would highly recommend them to any family members and friends looking to purchase a home. Thanks Guaranteed Rate staff…you’re the best!
    — Terry D.