Protect Your Home Before the Waters Rise—Get Your Free Flood Insurance Guide
Most Virginia homeowners aren’t covered for flood damage. Learn how to safeguard your property, belongings, and savings with the right coverage.
Why Flood Insurance Matters
Anywhere it can rain, it can flood—and in Virginia, that risk is higher than many realize. From hurricane storm surges to heavy seasonal rains, flooding can strike with little warning.
Here’s the reality: Standard homeowners insurance does not cover flood damage. Without a separate flood policy, repairs, replacements, and cleanup costs come out of your pocket.
Recent flood events in Petersburg and surrounding areas prove that flooding isn’t just a coastal issue—it can happen anywhere.
About Your Free GuidE
"Flood Insurance Summary of Coverages"
This easy-to-read guide, based on FEMA’s National Flood Insurance Program (NFIP) coverage details, will help you understand:
What's covered
Your home and foundation
Electrical systems, HVAC, furnaces, and water heaters
Built-in appliances and permanently installed flooring
Personal belongings, furniture, clothing, and electronics
Valuables like art, furs, and jewelry (up to $2,500)
what's not covered
Outdoor property like decks, fences, and pools
Business interruption or temporary housing
Damage from moisture or mold that could have been prevented
how claims work
Step-by-step guide to documenting damage
How Replacement Cost Value (RCV) and Actual Cash Value (ACV) are calculated
Tips to avoid surprises during the claims process
Benefits of Having Flood Insurance
Protect Your Largest Investment
Safeguard Your Belongings
Reduce Financial Burden
Expert Claims Support
Peace of Mind
Who's This Perfect For
First-time homebuyers
Apartment movers and renters
Families upsizing or downsizing
Seniors relocating or consolidating
DIY movers and checklist lovers
Meet Your Local Expert
MEET THE AGENCY OWNER
Hi, I'm Tabetha Campbell Thompson!
Hi, I’m Tabetha Campbell Thompson—born and raised in Richmond, VA, Girl Scout leader, real estate investor, and your neighborhood Allstate agent since 2006. But what I really am… is someone who believes that insurance should never feel like just another transaction.
To me, it’s about connection. About slowing down and listening. About helping people understand their coverage, not just sign papers. Every policy we create is built through conversation, care, and a commitment to doing what’s right.
Whether you’re insuring your first car, buying a new home, or protecting the future for the ones you love, my team and I are here, not just as your agents, but as people who live and lead in this community right alongside you.
Don’t Wait Until the Waters Rise
Get My Free Guide Now
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