Understanding the Risk
Why Standard Home Insurance Doesn’t Cover Flooding
Many homeowners in Myrtle Beach assume their standard home insurance policy includes flood protection—but it doesn’t. Flooding is one of the most common natural disasters in coastal areas, and without proper insurance, property owners could be left with massive out-of-pocket repair costs after a storm or hurricane.
FEMA designates parts of Myrtle Beach and the Grand Strand as high-risk flood zones, making flood insurance a necessity rather than an option. Moore & Associates Insurance helps homeowners and businesses find the right flood insurance coverage so they can stay protected against rising waters.
What Does Flood Insurance Cover?
Protecting Your Home and Valuables
A dedicated flood insurance policy typically covers two key areas:
- Building Coverage – Includes damage to your home’s foundation, walls, electrical and plumbing systems, HVAC units, and built-in appliances.
- Personal Property Coverage – Protects belongings such as furniture, electronics, clothing, and valuables from flood-related damage.
Without flood insurance, even a few inches of water inside your home can cause tens of thousands of dollars in damage. Our team can help you determine the level of coverage you need based on your property’s location and FEMA’s flood zone maps.
Get Affordable Flood Insurance Today
Request a Free Quote
Don’t wait until the next storm season to secure flood insurance—there’s typically a 30-day waiting period before policies take effect. At Moore & Associates, we make the process simple, providing expert guidance on National Flood Insurance Program (NFIP) policies and private flood insurance options that may offer additional coverage.
Protect your home and financial future from the unexpected. Contact Moore & Associates today for a free flood insurance quote and ensure you’re fully prepared for coastal risks.