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22246 S Ellsworth Rd
Queen Creek, AZ 85142

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What is flood insurance and what does it cover?

In 1954, a major flood hit Queen Creek, AZ, damaging 17,000 acres of crops and causing $1.8 million in damage. Since that time, the town has focused its efforts on flood control and education. Flood insurance comprises one of the essentials of those flood control efforts.

Flood Insurance: The Basics

At The Insurance Team, we offer flood insurance policies that help you protect your home and business. We work with the National Flood Insurance Program (NFIP) to offer a complete collection of flood policy options. You can purchase a policy that covers:

  • Structure only,
  • Contents only,
  • Structure and contents.

This means that you can either choose to insure only the building itself or your personal or business property inside it. A contents and structure policy covers both.

Why might someone want a structure-only policy? A landlord typically covers just the building because the contents belong to their renter. The renters buy their own policies.

The renter typically chooses a contents-only policy. This applies whether the person rents a home, office, or storage center.

Homeowners and vacation homeowners typically choose the structure and contents policies, as do business owners who own the building that houses their business.

You can find out what flood zone your home or business resides in by checking the Federal Emergency Management Agency (FEMA) website.

Which policy type do you need? How much flood insurance do you need?

Let us help you answer that question. Contact The Insurance Team serving Queen Creek, AZ for an appointment today. We’ll consult with you on your flood insurance needs and help you choose a policy that fully addresses your needs.

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