Flood Protection | HomeFirst Agency

All Mobile Home Insurance Policies Include Flood Coverage

According to FEMA, you don’t have to live in a flood zone to be at risk of flood damage. However, most homeowners insurance does not cover flood damage. Having insurance with flood coverage is a way to insure your future. Without flood insurance, you can lose a lifetime of savings in less than a day.

At HomeFirst^®, we want to make sure that you as a homeowner of a prefabricated home are covered in case of a flood even though you do not live in a high-risk categorized area. That is why we offer flood coverage for all prefabricated home styles including mobile and modular homes as part of all mobile home insurance policies so your home is covered in case of flooding. All of the comprehensive policies we offer for prefabricated homes include coverage for flood damage as well as replacement cost coverage on your home.

You are 27 times more likely to experience a flood than a house fire

1 in 4 flood claims occur in low to moderate-risk areas

Floods are the #1 natural disaster in the United States

Homeowners and renters insurance does not typically cover flood damage

More than 20 percent of flood claims come from properties outside high-risk flood zones

Flood insurance can pay regardless of whether or not there is a Presidential Disaster Declaration

Disaster assistance comes in two forms: a U.S. Small Business Administration loan, which must be paid back with interest, or a FEMA disaster grant, which is about $5,000 on average per household. By comparison, the average flood insurance claim is nearly $30,000 and does not have to be repaid.