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.

Get a flood insurance quote

Fields marked with an * are required

Get a Quote

Bundle to save!

Save up to 20% by bundling your insurance.

Ask your agent!

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 rebuilt.

  • Building Code Upgrades

    Some 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.

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

    Geraldine P.
  • For my first time buying a home, I never once felt like I was out of the loop. Everyone clearly communicated with me every step of the way. Guaranteed Rate Insurance found me insurance and beat my current company by a lot!

    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.