Flood Insurance
Reliable coverage for flood-related losses, offering peace of mind in a region where rising water is a common threat.
What does a policy cover?
Flood loss is devastating and the potential for flood loss exists anywhere that it rains. Gulf States Insurance and Coastal American are both Write Your Own (WYO) Flood Insurance providers with the National Flood Insurance Program (NFIP).
Building Coverage
- Electrical and plumbing systems
- Furnaces and water heaters
- Refrigerators, cooking stoves, and built-in appliances like dishwashers
- Permanently installed carpeting
- Permanently installed cabinets, paneling, and bookcases
- Window blinds
- Foundation walls, anchorage systems, and staircases
- Detached garages
- Fuel tanks, well water tanks and pumps, and solar energy equipment
Contents Coverage
- Personal belongings such as clothing, furniture, and electronic equipment
- Curtains
- Washer and dryer
- Portable and window air conditioners
- Microwave oven
- Carpets not included in building coverage (e.g., carpet installed over wood floors)
- Valuable items such as original artwork and furs (up to $2,500)
Flood Coverage can be Included as an Optional Coverage Enhancement in Louisiana and Mississippi. Please contact your agent to find out how you can add Flood Protection to your Policy Today!