Skip to main content

Flood insurance in Northwest Ohio.

Just because you don’t live in a high flood risk area, doesn’t mean it’ll never happen to you. We’ll provide the specialized coverage you need to help protect your home from rising waters – even if you’re not in a flood zone.

Three major myths about flood insurance mean you could be taking an unnecessary risk.

The first is that flood insurance is only needed for people living in designated flood zones. In reality, flooding is a potential risk everywhere and the damage can be devastating.

How can flood insurance protect you?
Use the yellow hot spots and explore how flood insurance can help protect against common risks.
Flood
Building Coverage: Foundation

Covers damage to the walls of your foundation, staircases, and anchorage systems.

Building Coverage: Garage

Protects detached garages from flood damage resulting from a covered event.

Building Coverage: Electrical & Plumbing

Protects you if a flood causes electrical or plumbing damage.

Building Coverage: Appliances

Covers damage to permanently installed appliances and cabinetry.

Contents Coverage: Furniture

Protects from damage to couches, tables, beds, and other furniture.

Contents Coverage: Electronics

Covers damage to home electronics and some mobile appliances such as washers, dryers, and microwaves.

Contents Coverage: Clothing

Protects your clothing from flood water damage.

Another myth is that homeowners insurance automatically includes flood insurance. In reality, that is usually not the norm, and you should always assume you aren’t covered unless your homeowners policy specifically says otherwise.

The third myth is that government programs have taken care of flood insurance. There is a National Flood Insurance Program that guarantees the availability of insurance in specific areas. However, this only covers a tiny percentage of American homes.

For most homeowners, floods are a low-likelihood but high-cost risk. If you are hit by flooding you could lose many or most of your personal possessions, face major reconstruction work, and be left homeless for months while your property is made habitable again. In most cases, not having flood insurance is a chance you simply can’t afford to take.

Contact us and we’ll help explain the benefits of obtaining a separate flood insurance policy.

Let’s discuss your flood insurance.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate flood insurance solution. There’s no obligation, just good-old-fashioned advice.
  • This field is for validation purposes and should be left unchanged.

RBI Insurance Agency & Financial Services, LLC offers comprehensive flood insurance throughout all of Ohio, including Toledo, Sylvania, Holland and Maumee.