Flood Insurance for Homeowners & Businesses
Flood damage isn’t covered by standard homeowners insurance — leaving you exposed to thousands in potential losses. We offer both FEMA-backed and private market flood insurance to protect what matters most.
Why Flood Insurance Matters
Protection from the Unexpected
Knowing that your home is protected helps secure one of your largest investments.
Home & Contents Coverage
Flood insurance helps cover repairs to your home’s structure and replaces personal belongings that are damaged during a flood.
Required by Lenders
If you live in a high-risk area, your mortgage lender likely requires flood insurance as part of your loan agreement.
Peace of Mind
Knowing you're protected from costly flood damage gives you confidence and security—whether you're near the coast, a lake, or just in a rainy region.
Flexible Options
Choose between FEMA’s NFIP or private insurers for the coverage that fits your needs, property type, and budget.
Essential Flood Insurance Coverage
Building Coverage
overs your home’s foundation, walls, HVAC, electrical, and plumbing systems from flood damage.
Contents Coverage
Protects belongings like furniture, electronics, clothing, and appliances damaged by flooding.
Your home may not be protected from flood damage under your regular homeowners insurance. At Insured by Steph, we offer both FEMA-backed and private market flood policies to help cover structural repairs, belongings, and more — even in unexpected areas. Here’s what flood insurance can help with:
NFIP (FEMA) Flood Insurance
Federally backed coverage with set limits — $250K for structure and $100K for contents. Guaranteed in participating communities.
Private Flood Insurance
Offers higher limits and options like temporary housing, basement coverage, and faster claims handling in some cases.
Flexible Coverage Options
Choose from federally backed NFIP policies or custom private plans with higher limits and additional features like basement coverage or temporary housing.
Protection Beyond Homeowners Insurance
Enhance your policy with endorsements that provide additional security for high-value items, flood damage, and more.
Help Navigating Flood Zones
We assist in checking FEMA flood maps and understanding your property's risk so you can make informed decisions about coverage.
Your Home Deserves Flood Protection That Fits
Every home faces different flood risks — whether you're in a high-risk zone or just want peace of mind. Insured by Steph helps you choose the right coverage from FEMA or private flood insurers to match your property and budget.
FAQ
You're probably
wondering...
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How can I get a quote from Insured by Steph, LLC?Call, text, or fill out our online form to start the quote process.
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What information do I need for an accurate quote?Provide some personal and coverage details, and we'll guide you through the specifics.
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Can Insured by Steph, LLC review my current insurance policy?Yes, we offer free policy reviews to ensure you're getting the best coverage at the best rate.
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Can I bundle different types of insurance policies?Absolutely! We can help bundle various policies for convenience and potential discounts.
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How do I know what type of specialty insurance is right for me?Our experts will work with you to assess your specific needs and recommend the most appropriate coverage.
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Are there insurance options for niche markets and industries?Yes, we offer specialized insurance products tailored for niche markets and unique business industries to ensure comprehensive coverage.
Ready to Protect Your Home from Flooding?
Flood damage can strike when you least expect it — and standard homeowners insurance doesn’t cover it. At Insured by Steph, we help you compare FEMA and private flood insurance options so you can choose the right protection for your property and your peace of mind.
We offer flood insurance in New Jersey, Pennsylvania, Delaware, Maryland, Virginia, West Virginia, North Carolina, South Carolina, Florida, and more.
