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Flood Insurance

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Protect Your Home from Flood Damage

Secure Your Property: Flood Insurance

Flood damage is not typically covered by standard homeowners or renters insurance policies, leaving many properties vulnerable to significant financial loss. Flood insurance provides critical protection against the damages caused by flooding, safeguarding your home, belongings, and financial future. At Wright-Gardner, we offer tailored flood insurance policies designed to address your specific needs and ensure comprehensive coverage.


Our flood insurance policies cover the cost of repairing or rebuilding your home, replacing personal belongings, and providing additional living expenses if you need to temporarily relocate. With Wright-Gardner, you can rest assured that you are prepared for the unexpected and protected against the financial impact of flood damage.

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Personal Belongings Coverage

In addition to structural damage, floods can cause significant damage to personal belongings. Our policies provide coverage for the repair or replacement of personal items such as furniture, electronics, and clothing.

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Structural Damage Coverage

Flood insurance covers the cost of repairing or rebuilding the structure of your home, including the foundation, walls, and roof. This ensures your home can be restored to its original condition after a flood.

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Additional Living Expenses

If your home becomes uninhabitable due to flood damage, our insurance provides coverage for additional living expenses. This includes the cost of temporary housing, meals, and other necessary expenses while your home is being repaired.

  • Do I need flood insurance if I don’t live in a high-risk area?

    Floods can occur anywhere, not just in high-risk areas. Having flood insurance provides peace of mind and financial protection, regardless of your location.

  • What is the waiting period for flood insurance coverage?

    There is typically a 30-day waiting period from the date of purchase before flood insurance coverage becomes effective. Plan ahead to ensure you are protected when you need it.

  • Can I add flood insurance to my existing homeowners policy?

    Flood insurance is usually purchased as a separate policy. Our consultants can help you integrate flood insurance with your current coverage to ensure comprehensive protection.

  • Are there any exclusions in flood insurance policies?

    While flood insurance provides broad coverage, there may be exclusions such as damage caused by moisture, mildew, or mold that could have been avoided by the homeowner. Our team will help you understand any exclusions and ensure your policy meets your needs.

get the right coverage today

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Ready to Protect Your Home?

Ensure your home is fully protected against flood damage—contact Wright-Gardner Agency today. Our knowledgeable team is ready to assist you in finding the right coverage and answering any questions you may have. Reach out for a consultation and discover the exceptional service that makes us stand out.

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