Georgia Flood Insurance

Even though flood insurance is relatively inexpensive, most homeowners do

not choose to purchase the insurance protection available. According to the

Federal Insurance Administration, less than one-quarter of the homes in

areas most vulnerable are insured against flood loss. In those areas, flooding

is 24 times more likely to occur than a fire during the course of a typical 30

year mortgage.

A standard homeowners insurance policy will not

cover damages caused by flooding. You must have

flood insurance from an insurer that writes for the

National Flood Insurance Program. If your community

participates in a floodplain management program, you

should be eligible to buy the coverage no matter if your

flood risk is low, medium or high. Residents of

"coastal barrier areas" and communities that do not

participate in floodplain management programs may

have trouble finding flood insurance coverage. Georgia

flood insurance is also available to renters,

condominium owners, and co-op owners.

Click here to fill out an

Georgia Flood Insurance

quote request form

We are an Atlanta, GA insurance agency offering affordable Georgia flood insurance
policy premiums to residents located in the following cities and counties in Georgia:
Smyrna, Douglasville, Vinings, Oakdale, Sandy Springs, Marietta, Riverside, Carey
Park, Adamsville, Bolton, Center Hill, Grove Park, Buckhead, Morningside, Fair Oaks,
Privette Heights, Dunwoody, Chamblee, Doraville, Skyland, Brookhaven, Embry Hills,
Oak Grove, Rehoboth, Vista Grove, East Marietta, Toco Hills, North Druid Hills,
Decatur, Scottdale, Clarkston, Belvedere, Pendley Hills, South Decatur, Druid Hills,
Gresham Park, Avondale Estates, Panthersville, North Decatur, Cedar Grove, Conley,
Forest Park, College Park, East Point, Stockbridge, Morrow, Riverdale, Stone
Mountain, Union City, Mableton, Lithia Springs, Winston, Douglasville, Austell,
Powder Springs, Hiram, Dallas, Kennesaw, New Hope, Kennesaw, Acworth,
Woodstock, Roswell, Alpharetta, Norcross, Duluth, Gainesville, Buford, Auburn,
Winder, Cartersville, Rome, Cedartown, Peachtree City, Buckhead, Canton,
Cumming, Braselton, Sugar Hill, Hoschton, North Atlanta, Tucker, Pine Lake,
Mountain Park, Glen Haven, Belmont, Redan, Pittsburg, Lilburn, Luxomni, Snellville,
Five Forks, Centerville, Whitney, Pannell, Lithonia, Dialtown, Flint Hill, Conyers,
Milstead, Klondike, Panola, Snapfinger, Magnet, Gloster, Bethesda, Pleasant Hill,
Pittman, Mechanicsville, Meadow, Berkeley Lake, Lawrenceville, Forest Hills,
Suwanee, Northwoods, East Lake, East Atlanta, Oakhurst, La Vista, Brookhaven,
Doraville, Fulton County, Dekalb County, Forsyth County, Gwinnett County, Walton
County, Newton County, Paulding County, Douglas County, Cherokee County, and
Cobb County, GA. We can also offer inexpensive Georgia flood insurance policies
throughout the Peach state, including in Macon, Columbus, Tifton, Augusta, Athens,
and Savannah, GA.

Flood Perils Include:

Outside of fire, flooding is the most widespread natural disaster.

According to the National Flood Insurance Program, two adjacent

properties have to be under water to call the situation a flood. In a rural

area, at least 2 acres must be submerged.

The two primary types of Georgia Flood Insurance policies are listed

below.

The value of property as figured by determining the cost to replace the

damaged or destroyed property and adjusting the replacement value by

subtracting an amount that reflects depreciation. Or in other words,

replacement cost minus depreciation. Homeowners are entitled to a

replacement cost value if they live in their homes at least 80% of the time

and have flood insurance coverage for at least 80% of their home's

market value.

Commercial and apartment buildings will be covered only for actual cash

value.

The amount it costs to replace or rebuild a damaged property.

Replacement cost coverage is available only for the building portion of a

condominium insurance policy. Owners of single-family homes may be

able to buy replacement cost coverage on the building portions of their

flood insurance policies. A Georgia flood insurance replacement value

policy will pay only the replacement value up to the coverage limit. For

example, if rebuilding your home will cost $400,000, but you only

purchased $300,000 in coverage, your insurance policy will pay you only

$300,000.

Click on the link below to fill out a secure quote request form for a Georgia

Flood Insurance policy that will provide excellent personal insurance

coverage at an affordable cost. Or you can speak with our Georgia Flood

Insurance specialist at (678) 921-4650 to discuss the policy features in

more detail.

Actual Cash Value Policy

Replacement Value Policy

Unusual & rapid accumulation of runoff or surface

waters from any source

Overflow of inland or tidal waters

Mud slides caused by flooding

The washing away, collapse, or subsiding of land

along the shoreline due to erosion or undermining

of waves or currents exceeding the cyclical levels

Sewer backup caused by flooding

To review the Federal Emergency Management Agency's
Flood Maps for your property...click HERE!

**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.