Flood Insurance
Floods are the most common and costly natural disaster in the US — and your homeowners policy doesn't cover them.
Standard homeowners insurance does NOT cover flood damage. A separate policy is required — and there's a 30-day waiting period, so don't wait until a storm is approaching.
What It Covers
Flood insurance covers damage caused by rising water — storm surge, overflowing rivers and lakes, heavy rain runoff, and more.
- Structure of your home (walls, floors, foundation, HVAC)
- Electrical and plumbing systems
- Appliances and water heaters
- Carpeting and built-in furniture
- Personal belongings (furniture, electronics, clothing)
- Cleanup and restoration costs
Critical for Coastal Living
Charleston, Savannah, Wilmington, and surrounding coastal communities are among the most flood-prone areas in the US. Hurricane season brings storm surge. Spring brings heavy rain. Even areas miles from the coast can flood from inland waterways.
Anya helps homeowners across SC, GA, and NC understand their flood risk and find the right coverage — NFIP or private — at the best available rate.
NFIP vs. Private Flood
Government-backed, widely accepted, standardized limits up to $250K dwelling
Higher limits, faster claims, sometimes lower premiums — great for high-value homes
Frequently Asked Questions
Ready to Protect What Matters Most?
Get a free, no-obligation quote today. Anya shops 100+ carriers to find you the best coverage at the best price.
Get Your Free Quote