Flood Insurance

Floods are serious a threat to many Florida residents. They can cause extensive property damage that standard homeowners insurance may not cover. The right flood insurance policy can help fill this gap and offer essential financial protection.  

The knowledgeable team at Gene Smith Insurance Agency in Zephyrhills and Dade City, Florida, can help you get the flood insurance policy that best addresses your needs. Contact us for more information. 

What Is Flood Insurance? 

Flood insurance can help cover the risks associated with rising waters and heavy rainfall. It can supplement your existing homeowners insurance policies and give you peace of mind in knowing you are financially protected. 

Although policies vary, flood insurance may include the following coverages: 

• Building coverage—This may provide repair or replacement payments if your building, its permanent fixtures or other vital structural elements (e.g., the plumbing and electrical infrastructure) are damaged or destroyed by a covered flooding event.
• Contents coverage—This may provide financial assistance if a covered flooding event damages or destroys the movable items inside of your home (e.g., furniture, clothing, electronics and portable applicable). 

A flood insurance policy may also include other coverages (e.g., debris removal). Consult with our agents for more information on terms, exclusions and limits.  

Do I Need Flood Insurance? 

Flood insurance needs vary and depend on several factors, including your area’s flood risk and if your lender requires it. For example, you may be required to purchase a flood policy if:  

• You live in a designated Special Flood Hazard Area (SFHA) and have a mortgage backed by a federally insured lender. 
• Your mortgage lender requires you to carry flood insurance even if you live outside a high-risk zone. 
• You reside in a high-risk flood zone and have received federal disaster assistance (e.g., FEMA grants or U.S. Small Business Administration [SBA] low-interest disaster loans) and wish to be considered for future federal disaster assistance.  

Even if you are not required to carry flood insurance, it is often still worth considering since it can provide essential financial assistance and reduce out-of-pocket expenses. Policies are also available for renters and business owners. 

How Much Is Flood Insurance? 

The cost of flood insurance depends on multiple factors such as the following:  

• Your location 
• The value and age of your property
• The possessions you are insuring
• Policy details (e.g., your limits) 

Reach out to our agents for a flood insurance quote. 

Contact Us 

The Gene Smith Insurance Agency professionals are eager to assist as you get the flood insurance policy that best addresses your needs. We can provide more information on options (e.g., a National Flood Insurance Program [NFIP] plan or a private plan from a carrier unaffiliated with the NFIP) as we work with you through the process.  


Contact us today to get started.