Flood Insurance

Protect Your Home & Business from Devastating Flood Damage

Comprehensive Flood Insurance for Homeowners, Renters & Businesses

Floods are the most common and costly natural disasters in Washington, yet many homeowners insurance policies do not cover flood damage. Whether caused by heavy rains, storm surges, or overflowing rivers, flooding can result in significant property loss and financial hardship.



At A.G. Beck Insurance, we offer customized flood insurance policies to protect your home, business, and personal belongings from water damage. As an independent agency, we work with top-rated insurers and the National Flood Insurance Program (NFIP) to ensure you receive the best coverage at the most affordable rates.


Serving homeowners and businesses in Silverdale, WA, and flood-prone areas across Washington.

Get in touch.

What Does Flood Insurance Cover?

Flood insurance protects your home, belongings, and business from the financial impact of water damage.

Building Property Coverage (For Homes & Businesses)

  • Pays for repairs or rebuilding costs if floodwaters damage your home or business.
  • Covers foundation, plumbing, electrical systems, walls, and built-in appliances.

Basement & Structural Coverage

  • Includes essential components like furnaces, water heaters, and stairwells.
  • Covers electrical panels, foundation walls, and support structures.

 Business Flood Insurance

  • Covers damage to commercial buildings, inventory, and business equipment.
  • Essential for restaurants, retail stores, and office spaces in flood-prone areas.

Flood Damage for Vehicles (Covered by Comprehensive Auto Insurance)

  • If your car, truck, or motorcycle is damaged in a flood, comprehensive auto insurance will cover repairs or replacement.
  • Ask us about bundling flood insurance with auto coverage for additional savings!

Not sure what coverage you need? Our flood insurance experts can customize a policy that fits your risk level.

Who Needs Flood Insurance?

Many homeowners assume flood insurance is only required for properties in FEMA-designated high-risk zones. However, 25% of flood claims come from low-to-moderate risk areas—making flood coverage a smart investment for all property owners.


Flood Insurance is Essential for:

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Homeowners in FEMA-designated

flood zones

Required by mortgage lenders.

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Businesses located near rivers, lakes,

or coastal areas

Essential for property protection.

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Renters in flood-

prone areas

Covers personal belongings from flood damage.

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Vacation & Secondary Homeowners

Protects seasonal properties from unexpected flooding.

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Property Investors &

Landlords

Covers rental units and investment properties.

Do you live in a flood-prone area? Call (360) 692-5998 for a free consultation today!

Why Choose A.G. Beck Insurance for Flood Coverage?

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NFIP & Private Flood Insurance Options

Choose between government-backed and private flood policies for the best rates.

Independent & Unbiased

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We compare multiple insurers to secure the most affordable flood protection.

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Fast Claims Assistance

If flooding occurs, we help ensure a quick claims process so you can rebuild sooner.

Custom Coverage Options

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Whether you need standard flood insurance or excess flood coverage, we have solutions for every budget.

Want to protect your home from flood damage? Call (360) 692-5998 today!

Flood Insurance Discounts & Cost Savings

Looking for affordable flood insurance? You may qualify for these money-saving options:

  • Elevation Certificate Discount – Lower rates if your home is built above FEMA’s base flood elevation.
  • Community Flood Mitigation Discounts – Savings for residents in FEMA-recognized flood mitigation communities.
  • NFIP vs. Private Policy Savings – Compare government-backed vs. private flood insurance to find the best rate.
  • Bundled Home & Flood Policy Discount – Save when you combine flood insurance with homeowners or renters insurance.

We’ll help identify every available discount to lower your flood insurance costs!

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Frequently Asked Questions (FAQ) About Flood Insurance

  • Is flood insurance required in Washington?

    Flood insurance is required for homes and businesses in FEMA-designated high-risk flood zones, especially if you have a mortgage backed by FHA, VA, or other federal lenders.

  • How much does flood insurance cost?

    Costs vary based on flood risk, home value, and policy limits. NFIP policies start around $500 per year, while private flood insurance may offer more competitive pricing and higher coverage limits.

  • Does my homeowners insurance cover flood damage?

    No—standard homeowners and renters insurance policies do NOT cover flood damage. A separate flood insurance policy is required for protection.

  • When does flood insurance take effect?

    NFIP policies have a 30-day waiting period before coverage starts. However, some private flood insurance providers offer immediate coverage.

  • Can renters get flood insurance?

    Yes! Renters can purchase contents-only flood insurance to protect personal belongings like furniture, electronics, and clothing.

Still have questions? Call (360) 692-5998 for expert guidance!

Get a Free Flood Insurance Quote Today!

Protect Your Home, Business & Belongings from Costly Water Damage

At A.G. Beck Insurance, we help homeowners, business owners, and renters secure affordable, high-quality flood insurance coverage for peace of mind.

  • Compare flood insurance quotes from NFIP & private insurers.
  • Customizable coverage tailored to your home’s flood risk.
  • Expert guidance from local, trusted agents.
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Call us at (360) 692-5998 to speak with a flood insurance expert.

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Request a free, no-obligation flood insurance quote online.

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Get a Free Flood Insurance Quote →

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Don’t wait for the next storm—get covered today!