Flood Insurance

Flood Insurance at HWI Insurance

Flooding is one of the most common and costly natural disasters, and it can happen anywhere—often when you least expect it. Standard homeowners and renters insurance policies typically do not cover flood damage, leaving your property and belongings at risk. At HWI Insurance, we offer specialized flood insurance solutions to help you protect your home, business, and peace of mind from the devastating effects of flooding.

Why Flood Insurance Matters

Even a few inches of water can cause significant damage to your property, resulting in expensive repairs and loss of valuable possessions. Flood insurance provides a financial safety net, ensuring you can recover and rebuild after a flood event. Whether you live in a high-risk flood zone or an area with minimal risk, flood insurance is a smart way to safeguard your investment.

What Our Flood Insurance Covers

Building Property Coverage
This covers the physical structure of your home or business, including the foundation, walls, electrical and plumbing systems, HVAC equipment, appliances, and permanently installed carpeting and cabinetry. If your property is damaged by flooding, this coverage helps pay for repairs or rebuilding.

Personal Property Coverage
Protects your belongings such as furniture, clothing, electronics, and valuables from flood damage. We’ll help you determine the right amount of coverage for your possessions, so you’re not left with unexpected out-of-pocket costs.

Basement and Utility Coverage
Flood insurance can also help cover essential items in your basement, such as furnaces, water heaters, and electrical panels, which are often vulnerable during a flood.

Business Flood Insurance
For business owners, we offer flood insurance that protects your building, inventory, equipment, and business interruption losses, helping you get back to work quickly after a disaster.

What’s Not Covered

Flood insurance typically does not cover damage caused by moisture, mildew, or mold that could have been avoided by the property owner, temporary housing costs, or damage to landscaping and outdoor property. Our team will explain the details of your policy so you know exactly what’s covered and what’s not.

Our Approach Why HWI Quote

At HWI Insurance, we make flood insurance easy to understand and accessible. We’ll assess your property’s flood risk, explain your coverage options, and help you choose a policy that fits your needs and budget. We work with trusted national carriers, including the National Flood Insurance Program (NFIP), to ensure you have reliable protection.

Our clients value our local knowledge, honest advice, and commitment to personal service. We take the time to answer your questions, review your risks, and provide ongoing support—especially when you need to file a claim or update your coverage.

Don’t wait until it’s too late—protect your property from the unexpected with flood insurance from HWI Insurance. Contact us today for a free, no-obligation flood insurance quote and personalized risk assessment. Let us help you weather any storm with confidence.