FLOOD INSURANCE QUOTE
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Flood Insurance in Murrells Inlet & Myrtle Beach, SC
If you live in a high-risk flood zone or want to protect your home from unexpected flood damage, don't wait to get your free flood insurance quote from LW Short Insurance.
Even a small amount of floodwater can cause massive damage to your home or property, resulting in thousands of dollars in insurance claims. No standard home insurance policy covers damage due to flooding. Flood insurance can be purchased separately to give you the coverage you need.
Our insurance agents specialize in providing comprehensive home and flood insurance to South Carolina homeowners in Murrells Inlet, Myrtle Beach, and beyond. We compare policies and options from the most insurance providers to create custom plans for every homeowner. Get in touch with us online, in person, or over the phone to get your custom home insurance quote today!
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Frequently Asked Questions About Flood Insurance
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No. Standard homeowners insurance policies typically do not cover flood damage caused by rising water, storm surge, overflowing rivers, or heavy rainfall. Flood insurance is a separate policy designed specifically to protect your home and belongings from flood-related losses.
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Flood insurance may be required if your property is located in a high-risk flood zone and you have a federally backed mortgage. However, even homes outside designated flood zones can flood. In fact, many flood claims come from moderate or low-risk areas throughout South Carolina.
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Flood insurance can help cover damage to your home’s structure and your personal belongings after a covered flood event. Policies may include protection for foundations, electrical systems, HVAC equipment, appliances, furniture, clothing, and electronics depending on the coverage selected.
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Most National Flood Insurance Program (NFIP) policies have a 30-day waiting period before coverage becomes active. Because of this delay, it’s important to purchase flood insurance before hurricane season or severe weather threatens your area.