I’m Buying a House In a High Risk or Even Very Low Known Flood Risk Area. Should I Get Flood Insurance?

Posted on August 29, 2025October 17, 2025 by admin

When you buy a home in a high risk or even very low known flood risk area, it’s crucial to ensure you have the resources to rebuild in the event of a flood. This is why many homeowners and business owners turn to flood insurance when purchasing a property. If you need flood insurance, the professionals at Kingston Insurance Agency LLC, servicing, can help you secure the policy you need to assist with repairs or recovery after a flood.

Why Should You Get Flood Insurance?

Flood insurance provides financial support during the rebuilding or repair process after a flood damages your home. Standard homeowners insurance does not cover flood damage, making flood insurance essential if your home is at high risk of flooding.

Is Flood Insurance Required to Buy a Home?

If you are purchasing a home in a high risk or even very low known flood risk area, your mortgage lender may require you to obtain flood insurance. If flood insurance is mandatory, your lender will inform you during the application process.

In such cases, it’s important to start searching for flood insurance early in the home-buying process. Applying for flood insurance ahead of time ensures you have a policy in place when your loan is ready to fund.

What Are the Advantages of Flood Insurance?

Flood insurance offers critical financial assistance during recovery after a flood. Many homeowners and business owners lack the funds to fully rebuild their homes or address the aftermath of a flood. Having flood insurance can make these disasters more manageable.

Do you need flood insurance? If so, contact the professionals at Kingston Insurance Agency LLC. We’re here to help!

Even if you do not think that your property is in a flood prone area, contact us to be sure.

What Is a Flood Elevation Certificate, and Why Does It Matter?

Posted on November 25, 2024October 17, 2025 by admin

Understanding flood insurance can feel overwhelming, but it’s crucial to grasp key elements like a Flood Elevation Certificate. At Kingston Insurance Agency LLC, proudly providing flood insurance to residents in and around the region, we’re here to help you understand why this certificate is so important for protecting your home.

What Is a Flood Elevation Certificate?

A Flood Elevation Certificate is an official document that specifies your property’s elevation relative to the estimated height floodwaters might reach. It includes details about your building’s location, flood zone, and the lowest point of elevation. This certificate is essential for determining your flood insurance rates, as it helps assess the risk of flooding to your property.

Why Does It Matter?

The certificate plays a pivotal role in how much you pay for flood insurance. Properties located in high-risk flood zones with lower elevations typically face higher premiums. By providing accurate elevation data, this certificate can potentially lower your insurance costs if your property is elevated above predicted flood levels. It ensures you’re not overpaying and that your coverage is tailored to your actual risk.

How to Obtain a Flood Elevation Certificate

You’ll need to hire a licensed surveyor or engineer to get a Flood Elevation Certificate. They will conduct a detailed assessment and provide the necessary documentation. At Kingston Insurance Agency LLC, we can guide you through this process and connect you with trusted professionals.

Secure Your Peace of Mind By Purchasing Flood Insurance

Don’t leave your property unprotected. Contact Kingston Insurance Agency LLC, serving the area, today to learn more about flood insurance and the benefits of obtaining a Flood Elevation Certificate. Let us help you safeguard your home with confidence.

How Can I Be Sure My Flood Insurance Is Adequate?

Posted on February 28, 2024October 17, 2025 by admin

Flood insurance is an important type of insurance if you live in a high-risk flood area. Since homeowners insurance won’t cover damage due to floods, getting a flood insurance policy is the only way to protect yourself from the costs associated with repairing a home after a flood.

At Kingston Insurance Agency LLC, we’re here to answer your questions about flood insurance and help ensure your flood insurance policy is adequate for your needs. We’re a resource for our customers, and we’re also the subject matter experts on everything related to insurance. If you’re trying to decide whether your flood insurance policy is right for you, here’s what you need to know.

What Is Flood Insurance?

Flood insurance is a type of insurance that can repair your home that a flood has damaged. Flood insurance covers direct physical losses to your home’s structure following a flood. Flood insurance also provides coverage if your belongings are damaged by a flood as well.

Flood Insurance is a type of insurance that the National Flood Insurance Program offers.

How Can I Be Sure My Flood Insurance Is Adequate?

When you’re getting flood insurance for your home, you’ll work with your insurance agent to ensure adequate flood insurance coverage. The National Flood Insurance Program places limits on how much it will cover for structure and belongings, so if the coverage offered by the NFIP isn’t enough, your insurance agent may recommend getting a policy from a private flood insurance provider.

Have questions? Kingston Insurance Agency LLC, can help. We offer various insurance services and are happy to answer your questions. Call today.

Does Flood Insurance Cover My Garage?

Posted on May 19, 2023October 21, 2025 by admin

Nature is unpredictable. With rising sea levels and frequent storms, your property and belongings are at risk of flood damage. As residents of this area, we understand your concern about protecting your garage.

What does flood insurance cover?

Flood insurance comes in two parts: building coverage and content coverage. Building coverage covers the physical structure of your home, including the foundation, walls, roof, built-in appliances, floorings, etc. Meanwhile, content coverage can include personal items such as clothing, furniture, and electronics. However, this coverage usually does not apply to garages.

Garage Coverage under Different Policies

Basic homeowner’s insurance policies rarely cover flood damages. Some policies offer exceptions for loss or damages that occur because of an overflow of water from your indoor plumbing, leading to damage in your garage area. It’s essential to check with your provider regarding the extent of your coverage.

A National Flood Insurance Program may cover detached or attached garages since the coverage extends to structures on the insured property. Our Kingston Insurance Agency LLC representatives can help you understand the details of your policy and explain what it would take to extend your coverage if it’s unavailable under your current plan.

Reach Out To Us

You have made a significant investment in your garage. Talk to Kingston Insurance Agency LLC about your flood insurance options and get expert advice. We understand your need for peace of mind about your property and belongings daily. Don’t take any risks! Protect your garage and outdoor buildings by calling us today.