According to FEMA, your home has a 26% chance of being damaged by a flood during the course of a 30-year mortgage, compared to a 9% chance of fire.

Many homeowners in Arizona make the mistake and “assume” that water and flood damages are insured by their home insurance policy. Our agents at Bennett and Porter are here to set the record straight: a home insurance policy, unfortunately, does not cover flood damages. It is critical to purchase separate flood insurance coverage for this type of disaster.

No, you do not need to live near a river or ocean to be at risk for flooding. In the state of Arizona, the most common type of flooding is actually flash flooding, which can happen due to a sudden heavy rainfall. Truth be told, even just a few inches of rainwater can negatively affect your home!

To protect you from the worst case scenario, our agency works alongside with the National Flood Insurance Program (NFIP) to provide you with a comprehensive and affordable solution. We will issue you the flood insurance policy, but all policies will be written through the NFIP.

Depending on your location, your policy and premium may differ from the next person. However, the coverage is essentially the same for most. Typically, a standard flood insurance policy in Arizona will cover the following:

Structural damage
Damage to the furnace

Floor surfaces
Flood debris cleanup costs

Damage to the water heater and/or air conditioning

To be safe, you may want to ask about additional coverage for your personal belonging, property and essential items in your home. Give our agents a call at 480-212-1150 or simply fill out the free quote form on our website.