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Stanley Insurance Group

5038 Cemetery Rd
Hilliard, OH 43026

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Flood Insurance in Ohio

What Is Flood Insurance?

Flood insurance in Ohio is coverage for a flood and the damages that come along with it. Floods are not covered under a standard home policy, so you need to purchase a separate policy to be protected. You can get flood insurance if your neighborhood qualifies through the National Flood Insurance Program, or by purchasing through private insurers such as Stanley Insurance Group in Ohio.

What Does Flood Insurance Cover?

Flood insurance in Ohio will have two parts to cover the building and the personal contents of the building. The building property coverage portion will protect the home and the foundation, along with any heating and air systems, plumbing and electrical systems, and cabinets. The personal contents coverage will protect any electronics, furniture, clothing, freezers, and food within them, and valuables up to a certain point. There will be a maximum coverage limit on both parts. Flood insurance won’t cover any temporary living expenses or outdoor property. Coverage could be limited for any below-ground rooms, such as a basement.

What You Should Know about Flood Insurance in Ohio

You can purchase coverage at any time. However, there will be a 30-day waiting period from when you purchase flood insurance to when it kicks in, so you can’t purchase it and expect to be protected from a storm in the forecast. Flood insurance will pay regardless of whether there is a presidential disaster declaration. When there is a presidential disaster declaration, there will be federal disaster assistance, but this usually is a lower interest loan, so you have to pay it back. You won’t have to pay back any flood insurance payments you receive, just like with other insurance. Flood insurance won’t cover vehicles, which are usually covered by auto insurance when you have comprehensive coverage. You can purchase flood insurance coverage to protect a home, condo, apartment, or non-residential buildings.

Contact Stanley Insurance Group, serving Ohio, to get a quote on flood insurance.

Our primary location is in Hilliard, OH and we serve our clients in all the surrounding cities in Ohio.

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