Flood insurance can be everyone’s worst nightmare but, in an area so coastal, flood insurance can be the most important coverage of all. If you have a loan on your dwelling, you may be required to carry flood insurance. If you are not required to carry flood coverage you may want to consider purchasing this headache of a coverage anyway. Almost all homeowner policies exclude flood coverage as a covered peril, therefore you are leaving yourself and your precious assets at risks in the event of a flood. Our agency has the ability to provide flood insurance for personal owned structures as well as commercial.