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As an independent agency, we are here to help you find the right Flood Insurance coverage.
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Flood Insurance South Carolina
Just because you don't live in a high flood-risk area doesn't mean it'll never happen to you. We at Harbor One Insurance will provide the specialized coverage under our flood insurance policy in South Carolina that you need to help protect your home from rising waters—even if you're not in a flood zone.
Debunking the three myths surrounding insurance for flooding.
There are three major myths about flood insurance that mean you could be taking an unnecessary risk.
Flooding is a risk no matter where you live.
The first myth is that flood insurance in designated flood zones. In reality, flooding is a potential risk everywhere and the damage can be devastating.
Homeowners policies don't typically cover damage from flood
Another myth is that homeowners insurance automatically includes flood coverage. In reality, that is usually not the norm, and you should always assume you aren't covered unless your homeowners policy specifically says otherwis
Only a small percentage of Homes are covered by Government Programs.
The third myth is that government programs have taken care of flood insurance. There is a National Flood Insurance Program that guarantees the availability of insurance in specific areas. However, this only covers a tiny percentage of American homes
The difference between having and not having a Flood Policy.
For many homeowners, floods pose a low probability but high-cost risk. If you are hit by flooding, you could lose most of your personal possessions, face major reconstruction work, or even be left homeless for months while your property is made habitable again. In most cases, not having coverage for flooding is a chance you simply can't afford to take.
Contact us, and we'll explain the benefits of obtaining a separate flood insurance policy.