🏚️ Covers Rebuilding Costs
Protection for your home’s structure after flood damage.
Protect Your Home and Finances with Affordable Flood Insurance
Protect Your Home and Finances with Affordable Flood Insurance
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Why Flood Insurance Is Essential
Floods are the most common and costly natural disaster in the United States, yet standard homeowners insurance won’t pay for flood damage. Just a few inches of water can cause tens of thousands of dollars in repairs, and federal disaster aid is often limited, slow, or only available as a loan you must repay. Flood insurance gives you peace of mind by covering both your home and belongings, so you’re not left financially stranded when the water rises.
Benefits of Flood Insurance
💎 Protects Personal Property & Valuables
Covers furniture, electronics, and valuables from flood loss.
📋 Meets Lender Requirements
Essential for mortgages in high-risk flood zones.
💲 Affordable & Customizable
Flexible options that fit your budget and coverage needs.
What Does Flood Insurance Cover?
Standard Flood insurance typically includes:
Condo protection, demystified—your must-haves up front, extras on tap when life gets “plot twist.”
Dwelling / Interior Structure
Protects your unit’s interior—walls, floors, fixtures, built-ins—against covered perils.
Personal Property
Covers your belongings at home and usually off-premises too.
Liability Protection
Helps with legal costs and payouts if you’re responsible for injury or property damage.
Medical Payments to Others
Pays small medical bills for guests injured in your unit, regardless of fault.
Loss of Use
Covers hotel, meals, and living expenses if a covered loss makes your condo unlivable.
Loss Assessment
Helps pay your share of HOA special assessments from covered building/liability losses.
Building Property
Covers upgrades you’ve added—custom cabinets, counters, flooring, built-ins.
Optional Coverages
Click to reveal add-ons for common condo gaps.
▾
Optional Coverages
Click to reveal add-ons for common condo gaps.
Water Backup
Helps with damage from sewer/sump backups.
Earthquake
Coverage for quake damage, excluded from standard policies.
Flood
Flood insurance via NFIP or private carriers.
Scheduled Property
Extra protection for jewelry, art, collectibles.
Identity Theft
Support and expense coverage if your identity is stolen.
Umbrella
Additional liability limits above your condo policy.
Flood damage isn’t covered by homeowners insurance. Here’s what dedicated Flood Insurance can protect—so you’re not left underwater financially.
Building Coverage
Foundation, walls, floors, electrical & plumbing systems, appliances.
Click to see details
- Covers structural elements and built-in items (furnace, water heater, cabinets).
- No coverage for decks, landscaping, pools, or septic systems.
Contents Coverage
Furniture, electronics, clothing, portable appliances, valuables.
Click to see details
- Applies only if purchased separately (not automatic in NFIP).
- Items in basements/lowest levels may have restricted coverage.
NFIP vs Private Flood
Government-backed coverage or flexible private-market options.
Click to see details
- NFIP max: $250k building / $100k contents.
- Private flood can exceed limits & offer extras like ALE or basement coverage.
Excess Flood
Extra coverage above NFIP/private base policy limits.
Click to see details
- Good for high-value homes exceeding NFIP max limits.
- Can include ALE (not in NFIP base policy).
Increased Cost of Compliance
Funds to elevate, relocate, or demolish to meet floodplain requirements.
Click to see details
- Up to $30k (NFIP) to bring property into compliance after a severe/repetitive loss.
- May be required if “substantially damaged.”
Who Needs Flood Insurance
🧭 FEMA High-Risk Zones
Mandatory with a mortgage. Lenders require flood coverage in Special Flood Hazard Areas.
🌦️ Moderate-to-Low Risk Areas
Strongly recommended—over half of flood claims come from outside high-risk zones.
🏢 Renters & Business Owners
Eligible too—policies can protect contents (renters) and buildings/contents (commercial).
Bundle & Save
We reward loyalty with bundle discounts that make managing your insurance easier and more affordable
Flood + Home Insurance
Shield your home from flood damage while keeping your standard homeowners coverage strong.
Flood + Auto Insurance
Stay covered on the road and in rising waters with a smart bundled protection plan.
Flood + Business Insurance
Protect your livelihood by combining flood coverage with comprehensive business insurance.
Flood + More Bundles
Bundle flood insurance with earthquake, umbrella, or life insurance for all-around peace of mind.
Protect Your Property, Protect Your Lifestyle
Don’t wait for the storm. Get protected today.
Why OnePoint Insurance Agency
The OnePoint Advantage
Personalized Coverage – Tailored to flood insurance
Affordable Options – Plans that fit your budget
Trusted Advisors – Real agents, not just algorithms
Popular Endorsements & Add-Ons
Different carriers offer these under various names, but these optional coverages enhance your protection:
Water Backup/Sump Pump Overflow
Covers damage from water backing up into your home via sewers or drains.
Service Line Coverage
Protects underground pipes and wiring (sewer, water, electric) from damage
Equipment Breakdown Coverage
Pays for repair/replacement of appliances, HVAC, or electrical systems from mechanical failure.
Ordinance or Law Coverage
Covers the cost of upgrading your home to current codes during repairs.
Extended or Guaranteed Replacement Cost
Increases dwelling limits above policy limits if rebuilding costs exceed expectations.
Scheduled Personal Property
Extra protection for high-value items: jewelry, watches, art, collectibles, firearms.
Home Cyber Protection
Covers identity theft, cyberattacks, and online fraud incidents
Inflation Guard
Automatically increases your dwelling coverage annually to match inflation.
Loss Assessment Coverage (HOAs)
Covers your share of a loss assessed by a homeowners association.
Pet Liability
Adds or increases liability coverage for damage/injury caused by pets.
Business Property Coverage
Expands limits for business equipment stored or used in your home.
Short-Term Rental Endorsement
Covers damages and liability during Airbnb or Vrbo stays
Flood Insurance (NFIP or Private Market)
Covers losses from rising water or storm surge NOT in a standard policy.
Earthquake Insurance
Available in seismic zones; protects against quake damage
Not Sure What You Need?
Every home is different and every homeowner’s needs are unique. Our advisors are ready to review your existing policy, uncover gaps, and recommend the right endorsements based on your:
Home’s age and construction
Value of personal property
Risk of flood, earthquake, or wildfire
Usage (primary, secondary, rental)
Lifestyle and liability risks
How It Works
How Flood Insurance Works
Three quick steps. Total peace of mind.
-
Check Your Flood Risk & Eligibility
Tell us your property address, see your zone, lender requirements, and options
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Compare NFIP & Private Coverage
Pick limits & deductibles, use an elevation certificate if you have one
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Bind Coverage & Get Proof
Activate your policy, get your declarations page, and stay mortgage-compliant
What Affects Your Premium?
We believe in transparency. These are some of the top factors that can impact your insurance rate:
Location and ZIP code
Age and Construction of your home
Claims History
Credit History (In some State)
Want to see your personalized rate? Just answer a few quick questions.
Types of Homes We Cover
Featured Carriers We Trust
Learn with OnePoint
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OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.
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Frequently Asked Questions
Does homeowners insurance cover flood damage?
No. Standard homeowners insurance policies do not cover flood damage. Flood insurance must be purchased separately, either through the National Flood Insurance Program (NFIP) or private insurers.
Who needs flood insurance?
Anyone can experience flood damage, even outside of high-risk zones. Mortgage lenders require flood insurance for homes in FEMA-designated Special Flood Hazard Areas, but it’s recommended for all property owners.
How much does flood insurance cost?
Premiums vary depending on your property’s flood risk, elevation, location, age of the home, foundation type, coverage amount, deductible, and whether your community participates in FEMA’s Community Rating System.
What does flood insurance cover?
Building coverage: Foundation, walls, electrical, plumbing, HVAC, appliances, flooring, and built-in fixtures.
Contents coverage: Furniture, electronics, clothing, personal belongings.
It does not cover landscaping, vehicles, or temporary housing costs.
What’s the difference between NFIP and private flood insurance?
NFIP is federally backed and offers standard coverage limits. Private insurers may provide higher limits, additional benefits, or flexible pricing. Both can meet lender requirements.
Is there a waiting period?
Yes, NFIP policies usually have a 30-day waiting period before coverage begins. Private insurers may have shorter waiting times. Don’t wait until a storm is forecast to buy coverage.
OnePoint Insurance Resources
Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Talk to a Real Agent
Call, text, or click. We’re ready when you are.
888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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