Flood Insurance For Carolina Homeowners

The Carolinas see their fair share of bad weather in the form of hurricanes, flash flooding, torrential downpours, and more. According to the South Carolina Department of Natural Resources, the state of South Carolina has had damages of more than $7 billion in the last 12 years from flooding and hurricane events. As a homeowner, are you prepared to shoulder the burden of the high costs associated with flooding?

Correll Insurance Group has providing homeowners throughout the state with competent, competitive, and caring insurance services to the Carolinas for more than 90 years.

Homeowners Insurance And Flood Insurance Policies

Your homeowners' insurance policy specifically excludes coverage for damages resulting from flooding. If you own a home, then you should seriously consider purchasing a flood insurance policy. This policy can cover:

  • Flood preparation costs
  • Damage to your home
  • Damaged appliances
  • Damaged goods, clothes and other belongings
  • Flood cleanup costs

Flood Insurance For Homeowners vs. Renters vs. Condo Owners

Flood policies come with two separate types of coverage: building coverage and contents coverage. If you own your home, then you need building coverage to pay for any damage to the dwelling. You also need contents coverage to pay for any damage done to the items inside your home. As a renter, all you need is contents coverage, as you are not liable for costs associated with the dwelling itself.

For condo owners, the necessary coverage is not always clear. Many condo owners will find that they need both contents and building coverage, while others need contents-only coverage. In these situations, it is best to speak with an agent who can help you identify your risks before you purchase your policy.

Common Misconceptions About Flood Insurance & Federal Aid

If you don’t believe that your home needs flood insurance, we encourage you to reconsider. According to FEMA, about 25% of all flood insurance claims come from areas with low-to-moderate flood risk. Even mild flooding that leads to only an inch of water in your home can lead to tens of thousands of dollars in damage. Finally, federal disaster aid is limited.

The National Flood Insurance Program & Flood Policies

Most all flood insurance policies are underwritten by the National Flood Insurance Program (NFIP). Congress created the NFIP in 1968 with two goals in mind: to provide affordable flood insurance to homeowners and to create a sound floodplain management system.

Today, you can purchase your flood insurance through the NFIP or through a licensed insurance agent. Rates are fixed by the government.

Contact Correll Insurance Group For More Information

Whether you are looking for your first flood insurance policy or you have questions about changes to your policy under the Biggert-Waters Reform Act of 2012, reach out to our agents. We are happy to provide you with a free flood insurance quote and talk to you about ways you can make your coverage more affordable.

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You may also call (864) 583-5445 to speak to an agent.

Requesting a quote is not a guarantee of coverage. All coverages are subject to the terms, conditions, and exclusions of the actual policy issues. Not all policies or coverages are available in every state.

We recently went with Correll Insurance of Hilton Head to insure our up and coming landscaping company! I can't thank Erica enough, she was very responsive while in the process of setting up our policy, and we were up and running very quickly! We highly recommend Correll, thanks again Erica!!

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Find A Local Agent

Looking for a trusted insurance partner you can count on? Look no further. Correll Insurance Group is here to serve you as we have served many generations throughout the Carolinas over the past 90 years. Our teams of independent insurance agents look forward to providing competent, competitive, and caring service that’s also convenient for you or your business.

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Adams, Eaddy & Associates

Columbia, SC
(803) 254-9404
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Bowery Insurance Services

Kingsport, TN
(423) 288-8347
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Carolina Insurers Associates

Tabor City, NC
(910) 653-8835
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Cashiers Insurance Agency

Cashiers, NC
(828) 743-2209
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Carter Glass Insurance Agency

Raleigh, NC
(919) 781-1973
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Chandler Insurance

Greenville, SC
(864) 232-1591
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Citizens Insurance Agency

Anderson, South Carolina
(864) 226-0354
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Correll Insurance Group of Charleston

Mt. Pleasant, SC
(843) 486-8711
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Correll Insurance Group of Gaffney

Gaffney, SC
(864) 489-5788
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Correll Insurance Group of Hilton Head

Hilton Head Island, SC
(888) 668-8082
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Correll Insurance Group of Inman

Inman, SC
(864) 472-2129
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Correll Insurance Group of Rock Hill

Rock Hill, SC
(803) 324-2984
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Correll Insurance Group of Spartanburg

Spartanburg, SC
(864) 583-5445
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Correll Insurance Group of Union

Union, SC
(864) 429-8819
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CWS Insurance Agency

Spartanburg, SC
(864) 583-1451
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CWS Insurance Agency - Gaffney

Gaffney, SC
(864) 583-1451
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David A. Crotts & Associates

Greenwood, SC
(864) 223-8788
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Fields Insurance

Columbia, SC
(803) 708-3775
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Gardner Associates Insurance

Columbia, SC
(803) 978-2000
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Godwin Insurance Agency

Greensboro, NC
(336) 379-8640
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Insight Risk Management—Collins

New Albany , MS
(662) 534-7676
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Insight Risk Management-Cordova

Cordova, TN
(901) 278-5375
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Insight Risk Management-Marion

Marion, AR
870-739-2883
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INSURE

Raleigh, NC
919-781-1115
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J. Mark Bowery Insurance

Kingsport, TN
(423) 288-8347
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Jerome and Summey Insurance Agency

Brevard, NC
(828) 884-4161
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John T. Cook & Associates – Loris

Loris, SC
(843) 756-7460
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John T. Cook & Associates – Myrtle Beach

Myrtle Beach, SC
(843) 626-9491
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Landrum Insurance Agency

Landrum, SC
(864) 457-3328
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Lowcountry Insurance & Financial Services

Pawleys Island, SC
(843) 237-1353
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Lowcountry Insurance Services

Port Royal, SC
(843) 522-2020
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McInturff, Milligan & Brooks

Greeneville, TN
(423) 639-5171
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The Phoenix Company

Winston Salem, NC
(336) 765-9332
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SFI Group - Sneads Ferry

Sneads Ferry, NC
(910) 327-3388
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SouthPoint Risk-Nashville

Nashville, TN
(615) 356-3212
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SouthPoint Risk-Clarksville

Clarksville, TN
(931) 647-6400
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SouthPoint Risk-Dickson

Dickson, TN
(615) 446-2814
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SouthPoint Risk-Knoxville

Knoxville, TN
(865) 584-1115
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SouthPoint Risk-Maryville

Maryville, TN
(865) 983-3872
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SouthPoint Risk-McMinnville

McMinnville, TN
(931) 473-9641
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SouthPoint Risk-Russellville

Russellville, KY
(270) 726-3638
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SFI Group - Surf City

Surf City, NC
(910) 329-4443
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The United Insurance Agency

Laurens, SC
(864) 984-4548
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WC Dillon Company

Nashville, TN
(615) 269-7887
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McB Group Insurance Group

Pittsboro, NC
919-642-0475
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