Flood Insurance in Indianapolis, IN
Flooding is one of the most common and damaging natural disasters, and it can strike in areas far beyond designated flood zones. Even a few inches of water inside a home or business can result in thousands of dollars in repairs. Because standard homeowners and renters policies typically exclude this risk, flood insurance is often an important addition.
Why It’s Different From Standard Policies 
Many property owners assume their home insurance includes flood coverage, but water damage caused by rising water, storm surges, overflowing drains or other external sources is usually excluded. That means without a separate flood policy, you could be left paying out of pocket for structural repairs and replacement of personal property after a flood event.
What It Covers
Although details vary, flood insurance may include the following coverages:
- Structural coverage may help with repairs to the foundation, walls and built-in systems, such as electrical or plumbing, of insured buildings.
- Personal property coverage may assist with replacing belongings like furniture, clothing, appliances and electronics.
- Cleanup cost coverage may help with debris removal and making the home safe again.
Cost Considerations
The cost of flood insurance depends on factors like the property’s location, elevation, building type and the amount of coverage selected. Properties in higher-risk flood zones often have higher premiums, while those in lower-risk areas may pay less. Because there is often a waiting period before coverage begins, it’s prudent to secure a policy well before flood season.
Request a Quote Today
Flood insurance offers a way to plan ahead for one of the most costly types of natural disasters. At Betzy Insurance LLC , we can explain available options and help you choose coverage that fits your property and budget. Contact us today to request a flood insurance quote.