Flood Insurance

Protection for unexpected flooding?

When a flood occurs, the expense to clean up, repair and replace your property can it can be devastating. Flood Insurance is offered through the National Flood Insurance Program. Although the government actually provides the coverage, Sterling Insurance Group issues and services the policy. In the event of flood damage to your insured property, Sterling Insurance Group would service your claim.

Flood Insurance Policy Considerations

If you own or rent your home, it’s important to insure your home and its contents against the damage of even a small flood. Depending on your dwelling’s location, your home may be rated at high-risk or at moderate-to-low risk for a flood. Flood insurance insurance premiums are based on that rating:

Types of Flood Insurance

  • Moderate-to-Low Risk-Eligible for preferred rate coverage offering building and contents coverage.
  • High-Risk-Eligible for standard rate coverage offering building and contents coverage

Flood Insurance Premiums

Flood insurance premiums are calculated based on example criteria below:

  • Year structure was built
  • Building occupancy
  • Number of floors
  • Flood Zone location
  • The deductible and the amount of structure/contents coverage you choose