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Home > Flood Insurance in Cilo, MI

Flood Insurance


Flood Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Flood Quote Form

Flood Insurance Information

While most homeowners policies cover a range of perils, such as fire, theft and wind damage, they typically do not cover one of the most common and destructive natural disasters: floods.  


Contact Eaton Insurance today to learn more about your flood insurance options. 


What Is Flood Insurance and Why Is It Important? 



Flood insurance is a specialized insurance policy designed to protect homeowners and renters from financial losses due to flood-related damage. It is typically offered through the National Flood Insurance Program (NFIP), a federal program administered by the Federal Emergency Management Agency (FEMA) and some private insurance companies. 


Flooding can occur in various ways, such as heavy rainfall, rising rivers or lakes, melting snow or coastal storm surges. These events can result in substantial property damage, leading to significant financial burdens. Without flood insurance, homeowners may be left responsible for covering the costs of repairs, which can be financially devastating. 


What Does Flood Insurance Typically Cover? 



Flood insurance may help provide coverage for the following: 

  • Dwelling coverage—This coverage may help cover damage to the physical structure of your home, including its foundation, electrical systems, plumbing, HVAC systems and appliances. 
  • Contents coverage—This coverage may help reimburse you for damage to your personal belongings, such as furniture, clothing, electronics and other valuables. It is important to note that certain high-value items, like artwork and jewelry, may have limited coverage under a standard flood insurance policy. Additional coverage or separate policies may be necessary to protect these items fully. 


How Is Flood Insurance Different From Water Damage Coverage in a Homeowners Policy? 



Flood insurance differs from water damage coverage in a standard homeowner’s policy in several ways, including the following: 

  • Coverage trigger—Water damage coverage in homeowners policies usually applies to sudden and accidental incidents, such as burst pipes or accidental appliance leaks within the home. In contrast, flood insurance covers damage caused by natural flooding events that affect multiple properties or a large area.
  • Scope of coverage—A standard homeowner’s policy generally covers water damage within the home’s structure and contents while flood insurance focuses on damage resulting from external flooding, including damage to the building’s structure and personal belongings.
  • Insurance provider—Homeowners insurance policies are typically provided by private insurance companies; flood insurance is primarily offered through the NFIP or private insurers participating in the NFIP.
  • Policy availability—While homeowners insurance is commonly available to homeowners across the country, flood insurance is relevant for properties located in flood-prone areas and may be required for homes in high-risk flood zones if they have a mortgage from a federally regulated or insured lender. 


Contact Us 



Contact Eaton Insurance in Clio, Michigan, for a personalized flood insurance quote. 
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11436 N. Linden Rd. | Clio, MI 48420
Phone: 810-686-1470 | Fax: 810-686-8011
Email: info@eatoninsuranceservices.com
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