Flood Insurance in Arizona

Flood damage isn't included in standard home insurance policies. Adding flood insurance coverage can help protect your Arizona home. Freedom Insurance Agency in Gilbert, AZ offers flood insurance policies and can help you find coverage right for you.

Is Flood Insurance Required in Arizona?

While not all Arizona homeowners are required to have coverage for flood damage, flood insurance is mandated for Maricopa County residents that live in a floodplain. With the official Maricopa County floodplain map, you can check to see if a home is in a floodplain.

Flood insurance can provide valuable protection even if you're not within a floodplain. The hard desert soil in Arizona cannot soak up water during heavy rainfall, which can cause water to pool on the ground's surface and enter your home.

Approximately 1 in 4 flood insurance claims come from homeowners outside a flood zone. With the right coverage, you'll have protection from damages caused by rising water.

What Does Flood Insurance Cover?

Flood insurance covers damage to your home and personal property in the event of a flood. Homeowners in Arizona can purchase up to $250,000 worth of coverage for their home and up to $100,000 of coverage for personal belongings.

Your flood insurance policy can provide coverage for damage to:

  • Your home and its foundation
  • Appliances
  • Electrical and plumbing systems
  • Carpeting
  • Furnaces or water heaters
  • Clothing
  • Furniture
  • Electronic equipment

Every year, flooding causes millions of dollars of damage to homes across the United States. Since most homeowners' insurance policies don't have coverage, it's vital to ensure that your property is s adequately protected.

Reach out to Freedom Insurance Agency in Gilbert, AZ if you want to know more about flood insurance coverage. We can help you determine if your home is in a flood zone and choose an insurance policy that's right for you. Call us today for more information or a free quote!

Flood Quote