Flood Insurance

Flood Insurance Explained

Those who have been victimized by severe flooding can attest to the devastation that is one that can be left within the aftermath of such a tragedy. This devastation will often include homes, businesses, and all that lies within. If you happen to reside in a zone that is designated as a high risk for flooding, it is vital to obtain good flood insurance.

 

Home

Life

Business

Auto

What is it?

This coverage is available for those who own homes and condos, renters, commercial renters, and businesses. It protects the structure and the personal contents that lie within. Keep in mind that there will be various items excluded from coverage and you are well served in reviewing all this with an insurance professional. Protection for basements, for instance, can be limited along with any edifices outside of the main structure like swimming pools, sheds, and so on. These things would often need to be specifically covered as policy add-ons.

Who Benefits?

This coverage is tailor-made for those who reside in flood zones or areas where the likelihood of damage from mudslides, broken water mains, and severe storms is high. This insurance is specifically engineered to cover for such perils. Generally, these types of policies are divided into two designations, moderate-to-low risk, and high-risk categories. People who live in moderate-to-low-risk zones can purchase this coverage for a relatively low price. High-risk areas are covered more comprehensively and include more on the inside and more protection of the buildings themselves at a higher purchase price.

How Does It Work

Insurance premiums are determined by several things, including the year the building was put up and whether it is located in a flood zone. Other determining factors include the number of stories and where the contents covered, etc. Your premium is also determined by the level of coverage you choose and how large the deductible will be. If you carry a mortgage and also reside in a high-risk flood area, lenders will also mandate that you obtain this insurance coverage to protect their investment as well.

FEMA

The government provides coverage from FEMA, which is the national flood insurance provider. Also, several private companies also provide this coverage. The law mandates that private insurance agents be members of the National Flood Insurance Program (NFIP) in order to offer this specialized coverage. This agency serves to provide financial help to those who are the victims of flood damage.

Benefits

A big plus in having this coverage is the knowledge that should a flood disaster strikes, you are not left helpless. This protection keeps the policyholder from suffering the consequences of extreme financial loss due to a flooding disaster.

i had some trouble with my health insurance to prove that i qualified under the no fault act and christina and larry helped me out and answered every question i had. they helped me through a long process and it worked great for me in the end :)
jeffrey rittenberry
jeffrey rittenberry
Mr Joe Leduc is hands down the best agent I have ever interacted with. He has gone above and beyond to get my policy discrepancies corrected with my insurance provider and i am extremely happy with the service he has provided. The customer satisfaction is excellent and i would recommend Joe to everyone.
Nikhil Prabhu
Nikhil Prabhu
Great Company to conduct business with. They truly find you the best rates
MrJmkelley
MrJmkelley
John and team are excellent!
Jackie
Jackie
I just love Shannon young she is always right there for me with whatever help I need
Lynnette Gulla
Lynnette Gulla
I ABSOLUTELY LOOOVE getting my insurance from Shannon Lee Young at A. Young Insurance Agency!!! She's AMAZING!!! She is just a really fun person to work with, super sweet, down to earth and understanding!!! She'll work her hardest to get you the best price she possibly can!!! We've been going to her, PERSONALLY, now for years!!! Ever since our first visit to her, we've gone back to her every time we've needed insurance, which in our family is AT LEAST once a year, as we're CONSTANTLY changing vehicles, lol! We drive ALL THE WAY from South Lyon to Waterford to see her, and let me tell you, it's completely worth it and a TOTAL PLEASURE EVERY TIME!!! Go see Shannon, I guarantee you, you won't be disappointed, either!!! ;)
Michelle McCall
Michelle McCall
Shannon has been my insurance agent for the last 6 years. She is always so helpful and on top of everything. Always finds me the best rates!
Shaylynn Wood
Shaylynn Wood
Shannon is the best ever!!!
Kyle Tedford
Kyle Tedford
Shannon is just awesome! She is real and treatseveryone like family. Any situation any problemthis gal just puts your mind at ease and solvesthe issue. I recommend her to everyone I knowwho needs insurance as my friend recommended me to her. Thank you. Sincerely Eliz McMenimen
No One
No One
Shannon is the best. Professional and a very sweet person!
Sam Henriquez
Sam Henriquez
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Darwin Yancy
Darwin Yancy
Shannon was awesome!
Joe Dowell
Joe Dowell
My mom and I have been going through this insurance for about 10 years, never a bad experience and always felt like their number one customer. Shannon Young has been our go to girl here and even goes out of her way to give us updated pricing and the best insurance for us! She is amazing, recommend her for all your needs!!!
Lacey Skinner
Lacey Skinner
I have been a customer of Shannons over 7 yrs and i LOVE HERRRRR!!! PLZ DONT LET HER GO NI WHR!!!
Renee Houston
Renee Houston
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Kayla Zawol
Kayla Zawol
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Sheila Handke
Sheila Handke
Shannon is the best!!
Maria Randall
Maria Randall
Shannon was very helpful getting me auto insurance! She's very sweet and didn’t give me a hard time at all. Yes I recommend this place!
Babi Greene
Babi Greene
I just want to know, WHO BOUGHT THE CAKE? This place sure takes it. In all my years of buying insurance, I have never had a agent renew a policy with more coverage at less price. That is unheard of. That you Joe. I will definitely refer you to all my family and friends. Did you ever meet my brother John?
Eric Ruhlman
Eric Ruhlman
Joe is really helpful and looks out for our best interests! I especially recommend him for Expats as he takes the time to explain the details well for people who are also not so familiar with US or Michigan insurances.
Nadine Schmidt
Nadine Schmidt
Working with A. Young Insurance was so easy and stress-free! They made the whole process simple and easy to understand!
Jessica Timberlake
Jessica Timberlake
Good across the board.
Marti Brawn
Marti Brawn
John and his team are great! Very quick to respond and truly cares about you! Explains everything clearly and always tells you what is best. Thanks John and Team!
Noel Kadri
Noel Kadri
Great rates and quick to respond to inquiries! Recommend highly!
Jenny Kemp
Jenny Kemp
Great service very polite and help in every way they can
Jacob Noskey
Jacob Noskey
Great service, friendly, and saved me over $600 per year on my auto insurance.
Darren Avig
Darren Avig
I get great coverage, with the amounts I set in place, at a great rate. They are very speedy with their response time. Always look to see what fits best, when asked. Have no negative experiences with them at all.
John Brunackey
John Brunackey
It was very convenient being able to get the best insurance rates for me while having a hectic work schedule. The agent I worked with was flexible and friendly
Leighann Androyna
Leighann Androyna
John has ALWAYS been transparent and honest to a fault. He never pushed me to sign up for coverage, he gave me the numbers for what I asked for and let me decide. He gave me options not problems. It is rare for me to go out of my way to do reviews as I don't have time. That is how much trust I have with A. Young Insurance! You won't be disappointed.
Aj Jensen
Aj Jensen
Things had changed and I knew I was being overcharged for car insurance. Obtained a few quotes but still wasn't happy with the results. SO glad I contacted A. Young, Joe is awesome to work with, made the switch painlessly easy and... are you sitting down? My new rate is HALF what I was paying. HALF!!! So delighted!
Diane Revord
Diane Revord
John was extremely helpful and down to earth. With me being clueless with anything to do with business insurance, he took the time to explain exactly what I needed and DIDN'T need for my business. John also made the entire process effortless and painless for me.
Christopher MARQUETTE
Christopher MARQUETTE
Great service only place I go for insurance
wis davis
wis davis
Working with Young Insurance is a pleasure.staff is friendly,knowledgeable,and will work with you to get the insurance you need at the best rates.
Kevin Cavanaugh
Kevin Cavanaugh
Joe is the best! Friendly staff that cares about you. I felt like family. Really appreciate the guidance and ease of switching insurance companies. Thank you - Nikki
Nikki Quintanilla
Nikki Quintanilla
Great service, patience and nice warm speaking people to work with. I highly recommend their service. Thank you Joe.
Teena Villa
Teena Villa
Always there when I need them! Awesome agency and staff! Looking out for my best interest. Recommend highly!
fawn austin
fawn austin
I have all my insurance with a young insurance
chris barger
chris barger
Very helpful
Tracy Pogue
Tracy Pogue

1400 Scott Lake Road, Suite AA
Waterford, MI 48328