Flood Insurance in Montgomery, AL
Flooding can strike with little warning, and when it does, the damage left behind can be extensive and costly. Standard property insurance policies typically exclude flood-related damage, which is why a separate flood insurance policy may be an important addition to your coverage portfolio.
Whether you’re in a high-risk zone or an area with occasional heavy rains, flood insurance can help support your recovery when water damage threatens your home or belongings.
What Flood Insurance May Cover 
Flood insurance may help cover losses resulting from water intrusion due to heavy rainfall, overflowing bodies of water, storm surge and other flood-related events. A typical flood insurance policy may include the following coverages:
- Building coverage may help repair or rebuild your home’s foundation or support systems if they’re affected by a covered flood. This may include key internal systems if damaged by rising water, such as HVAC systems, wiring and plumbing.
- Contents coverage may help replace belongings such as furniture, appliances and electronics that are damaged by flooding.
Keep in mind that flood insurance typically has a 30-day waiting period, so planning ahead is essential. Additionally, policies have limitations, so be sure to understand exactly what and how much your insurance may cover.
Who Needs Flood Insurance?
While flood insurance is often required in high-risk zones, it’s also worth considering for those in moderate- or low-risk areas. Weather patterns are shifting, and even areas not previously prone to flooding are experiencing increased water-related events.
If your property sits near a creek, drainage system, or in a zone with poor runoff, your risk may be higher than expected. A flood policy may offer an added layer of preparation that complements your standard home insurance.
Get Help Navigating Your Options
Connect with Varon Insurance today to learn more about flood insurance. Our team can walk you through your options, assess your property’s exposure and help you explore coverage that aligns with your needs and concerns. Contact us to get started.