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Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

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Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

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Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

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Life Insurance LIFE

Browse a variety of insurance options in order to find the right one for you.

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Flood Insurance FLOOD

Learn about flood coverage options that fit your specific needs.

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Flood Insurance


Flood Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Flood Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Flood Insurance Information

Flood Insurance Videos

 

Insurance Zone is a full-service commercial and personal lines independent insurance agency offering insurance products and services tailored to meet the demands of homeowners and business owners.

 

My Personal Insurance Program products include Homeowners, Condo Unit Owners, Rental Properties, Wind, Flood, Builders Risk, Auto, Boats, Umbrella and Life Insurance.

My Business Insurance Program products include Property (Building/Content), Wind, Flood, Builders Risk, General Liability, Business Auto, Workers Comp, Umbrella and Life Insurance.

 

The agency is ‘On 98 & 30A’ and the Southeast, with offices in Miramar Beach (Destin), Santa Rosa Beach, Palm Coast, Tampa and Atlanta, GA.

 

There's something you should know: Flood losses are not covered by your homeowners insurance policy.

Flood Info Flyer

Floodwaters have the power to damage not only your home and sense of security, but also your financial future. How can you protect your most important investment in case of flooding?

    Option 1: Hope that you'll receive Federal disaster relief if a flood hits.
    Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding. The truth is that Federal disaster assistance is only available if the President formally declares a disaster. Even if you do get disaster assistance, it's often a loan you have to repay, with interest, in addition to your mortgage loan that you still owe on the damaged property.

    Most importantly, you must consider the fact that if your home is flooded and disaster assistance isn't offered, you'll have to shoulder the massive damage costs alone. The bottom line is that if you're looking for secure protection from financial loss due to flood damage, Federal disaster assistance is not the answer.

    Option 2: Buy flood insurance and stay protected no matter what.
    When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not Federally declared. Flood insurance means you'll be reimbursed for all your covered losses. And unlike Federal aid, it never has to be repaid.

    In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it's already too late. You will not be insured if you buy a policy a few days before a flood.
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