Protect your assets with Historic Coast Insurance

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Flooding can impact properties anywhere—not just those right on the coast. In fact, nearly 25% of flood insurance claims come from homes outside designated high-risk flood zones.

From getting a quote to finalizing coverage, we’ll ensure you have the right protection to face rising waters with confidence.

What Flood Insurance Covers:
Flood policies generally include two types of coverage:

• Building Property Coverage – Protects the physical structure of your home, including:
   
  • Foundation, walls, and floors
     
  • Electrical and plumbing systems
     
  • Central heating and air conditioning units
     
  • Appliances like refrigerators, water heaters, and stoves
     
  • Detached garages (coverage limits may apply)
     
• Personal Property Coverage – Covers your belongings inside the home, such as:
   
  • Furniture, clothing, and electronics
     
  • Portable appliances
     
  • Curtains, rugs, and valuables (subject to policy limits)
     

Please Note: Flood insurance typically excludes landscaping, vehicles, outdoor pools, and temporary living expenses.