Flood Insurance
One storm can change everything.
Protect your home and belongings from costly water damage with coverage that homeowners insurance doesn’t provide.
Flood Insurance
One storm can change everything.
Protect your home and belongings from costly water damage with coverage that homeowners insurance doesn’t provide.
QUICK QUOTES
Get a personalized flood insurance quote now.
QUICK QUOTES
Get a personalized flood insurance quote now.
What Flood Insurance Covers
What Flood Insurance Covers
Building Property Coverage
Helps pay to repair your home’s physical structure, foundation, siding, walls, plumbing, electrical systems, and built-in appliances.
Coverage limit: up to $250,000.
Exclusions: Finished basements, walls, floors, and stored items below ground are not covered.
Personal Contents Coverage
Helps pay to repair or replace your belongings, including furniture, clothing, and electronics.
Coverage limit: up to $100,000
Appliances like a furnace may be covered, but stored items and basement finishes are excluded.
FREE GUIDE
Protect Your Home Before the Waters Rise
Think your homeowners policy covers flood damage? Think again. Most Virginians are one storm away from costly repairs — without the right coverage.
Download this free, easy-to-read guide to learn:
1. What’s covered (and not) by flood insurance
2. How to check your property’s flood risk
3. Steps to close coverage gaps before disaster strikes
What Flood Insurance Covers
Building Property Coverage
Helps pay to repair your home’s physical structure, foundation, siding, walls, plumbing, electrical systems, and built-in appliances.
Coverage limit: up to $250,000.
Exclusions: Finished basements, walls, floors, and stored items below ground are not covered.
Personal Contents Coverage
Helps pay to repair or replace your belongings, including furniture, clothing, and electronics.
Coverage limit: up to $100,000
Appliances like a furnace may be covered, but stored items and basement finishes are excluded.
FREE GUIDE
Protect Your Home Before the Waters Rise
Think your homeowners policy covers flood damage? Think again. Most Virginians are one storm away from costly repairs — without the right coverage.
Download this free, easy-to-read guide to learn:
1. What’s covered (and not) by flood insurance
2. How to check your property’s flood risk
3. Steps to close coverage gaps before disaster strikes
Frequently Asked Questions
Do I need flood insurance if I’m not in a high-risk zone?
Yes. Flooding can happen anywhere, and over 20% of NFIP claims come from moderate-to-low risk areas.
Does my homeowners insurance cover flood damage?
No. Flood insurance is always a separate policy.
How much coverage can I get?
NFIP policies provide up to $250,000 for building coverage and up to $100,000 for personal contents.
Are basements covered?
Appliances like a furnace may be covered, but finished basements, walls, floors, and personal belongings stored there are not.
How soon does coverage start?
NFIP policies typically have a 30-day waiting period before coverage begins
Protect Your Home with Tabetha Campbell Thompson Agency
Your home is more than just a building—it’s the result of years of hard work and care. Don’t let one storm undo it. As a Virginia-licensed agency, we’re here to help you understand your flood insurance options, wherever you live in the Commonwealth
Protect Your Home with Tabetha Campbell Thompson Agency
Your home is more than just a building—it’s the result of years of hard work and care. Don’t let one storm undo it. As a Virginia-licensed agency, we’re here to help you understand your flood insurance options, wherever you live in the Commonwealth
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