Floods can be some of the most destructive natural disasters in the world, especially when they come on with little to no warning. Little can be done to stop a flood, and damages from a flood can range from minor water damage to loss of entire properties.

Floods are some of the most common natural disasters in the United States. While some areas are more prone to floods, they can happen just about anywhere at anytime. Here at InsureU Colorado, the best local insurance brokers in Colorado, we’ve partnered with Better Flood Insurance to give our customers access to private flood insurance policies. These policies are designed to save you money as well as give you a premium policy should anything happen to your property during a flood. Keep reading to learn more about flood insurance, or contact InsureU Colorado to get premium insurance in Colorado today.

Flood Insurance Information

Here in Colorado, floods usually tend to happen in spring and summer when snow melt occurs or storms drop massive amounts of precipitation in just a few minutes. Like most insurance policies, there are mitigating and aggravating factors that will determine how much you pay for your flood insurance. On average, this is how much people pay for flood insurance:

  • The US national average is around $700 annually
  • The Colorado average yearly cost is around $860
  • Connecticut pays the most at ~$1,400 a year
  • Florida pays the least at ~$550 annually

Because Better Flood Insurance is an independent insurance company, they can offer flood insurance policies that are 20 – 50% less than government regulated flood insurance policies. Visit Better Flood Insurance today to find a flood insurance policy that fits your needs, or see what kind of insurance services we can offer you here at InsureU Colorado.

What Flood Insurance Covers

Flood insurance covers specific things, and you can usually pick a premium or policy that covers everything or just the important things like your home. Flood insurance usually covers:

Building Property Coverage

This covers and reimburses you if flood damage occurs to the structure of your home. This usually includes the building itself as well as the electrical, plumbing, HVAC systems, appliances, and more.

Personal Property Coverage

This covers and reimburses you if flood damage occurs to personal belongings. This includes things like furniture, portable appliances, clothing, artwork, and more.

If you need personalized flood insurance, then Better Flood Insurance has some of the best private flood insurance around. If you’re looking for Colorado home insurance or Colorado auto insurance, including auto insurance for new drivers, then InsureU Colorado are the perfect local insurance brokers for you. Contact us to find the perfect insurance policy for you and your family.