Flood Insurance

Members Insurance Center is a local, independent insurance agency that provides tailored, personalized insurance coverage at a price that matches your budget. We’ll do the shopping for you, ensuring you get the best possible coverage for your unique situation.

Flood insurance provides protection for two distinct categories of insurable property: buildings and contents. Building coverage safeguards your structure, while content coverage safeguards your possessions.

Building coverage encompasses:

• The insured structure itself and its foundation.
• The electrical and plumbing systems within the structure.
• Central air conditioning equipment, furnaces, and water heaters.
• Appliances such as refrigerators, cooking stoves, and built-in devices like dishwashers.
• Permanently installed carpeting that covers unfinished flooring.

Contents coverage includes:

• Clothing
• Furniture
• Electronic equipment
• Curtains
• Air conditioners
• Microwaves
• Dishwashers
• Carpeting
• Washers and dryers

The price depends upon each individual home, including property details and location.

If you live in a community that participates in NFIP (National Flood Insurance Program) and you are a renter, you can get flood insurance to cover the contents of your home, apartment or business at a rented location.

According to FEMA (Federal Emergency Management Agency), flood insurance is required for some homeowners who live inside a flood zone, but recommends that even if you live somewhere where it is not required, it’s always the safest bet. In Florida, you either live in a high risk flood zone or you live near one.