Flooding is the most common form of natural disaster in the US. According to the Federal Emergency Management Agency (FEMA), about a quarter of floods in the US occur outside of high-risk zones, so it’s always important to have coverage; no one is safe from this type of disaster. South Carolina has many flood zones, as determined by FEMA, all with varying risk levels. Your home does not need to be in close proximity to a body of water to flood.
Getting Flood Insurance in South Carolina
Flood insurance is excluded from all Homeowners & Commercial Property Insurance policies. It’s a standalone policy offered under the National Flood Insurance Program and other private insurers. Private Flood markets offer coverage for high risk homes at a discounted rate.
If you live on Hilton Head Island, SC, then you are in luck. You have several options when it comes to purchasing flood insurance in the area. Premier Insurance Advisors can offer you coverage through many preferred carriers.
South Carolina is one of many states that are vulnerable to flooding. Getting a flood insurance policy for your home is a good idea, whether you live in a high-risk or low-risk flood zone. Coverage is available for homes, businesses, condos and rental properties.
The flood insurance policy protects you from flood-related losses such as flood-caused mudslides, flood-related erosion, and damage to contents as well as structures due to flooding. Residents of Hilton Head Island, SC can get in touch with Premier Insurance Advisors for a flood insurance quote. Give us a call if you need more information about flood insurance policies.