Wash Away Your Worries

Flood Insurance

Coverage

At University Insurance Group, we understand that your home is your sanctuary. However, natural disasters do not discriminate, and floodwaters can threaten this sanctuary in an instant. With changing climate conditions and unexpected storm surges, it's more crucial than ever to consider the protection that Flood Insurance offers. UIG is dedicated to helping you safeguard your home and peace of mind from the unpredictable devastation of flooding.

Building Property Coverage

This coverage protects the physical structure of your home, including the foundation, walls, electrical and plumbing systems, and built-in appliances. If your home is damaged by a flood, Building Property Coverage helps cover the cost of repairs or rebuilding.

Personal Property Coverage

Your belongings are just as important as your home itself. Personal Property Coverage ensures that your furniture, electronics, clothing, and other personal items are protected if they are damaged or destroyed by floodwaters. This coverage helps you replace what’s lost so you can get back to normal as quickly as possible.

Basement Coverage

Flooding can be particularly damaging to basements, which are often the first areas to be affected. Basement Coverage includes protection for items like your furnace, water heater, and essential utilities, as well as certain structural elements in your basement.

Debris Removal

After a flood, your property may be left with a significant amount of debris that needs to be cleared before repairs can begin. This coverage helps cover the costs associated with removing debris from your property, ensuring a quicker recovery process.

Replacement Cost Coverage

Some policies offer replacement cost coverage, which pays to replace damaged items at their current value rather than their depreciated value. This means you can replace your belongings with new items of similar kind and quality, without having to pay out of pocket for the difference.

The Importance of Flood Insurance

Flooding can happen anywhere, even in areas not typically prone to floods. Without Flood Insurance, you could face significant financial losses, as the cost of repairing flood damage can be overwhelming. By securing Flood Insurance, you’re taking a proactive step to protect your home and your financial future. It’s a crucial safeguard that offers peace of mind, knowing you’re covered if the unexpected happens.