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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.

Everyone at Young Insurance is very helpful polite,professional, I have recommended friends and family of mine to them I would like to thanks Christine she goes out of her way to help me several times thank you your the best Christine also everyone at the office and on the phone treats you like FAMILY once thank you to everyone at Young Insurance
Roin McClusky
Roin McClusky
Joe, Christine, Deana , and all the team at Young Insurance Agency are great persons and professionals because they always provide their best in all that they do and they do it awesome!Highly recommended!!
Ili Castro
Ili Castro
Love these guys! Everyone there bends over backwards to help me when I ever need anything.
THEE CONCEPT
THEE CONCEPT
They are very professional and respectful along with caring about their people.
Edward Pettis
Edward Pettis
Great place..Great people ..Fast service ..Great quotes.. couldn't ask for anything more. Would recommend A.Young Insurance Agency to anyone.
Jackie Hayden
Jackie Hayden
Everyone are very nice and informative. I'm very glad to belong to this company. Always take care of my insurance needs
Brendan Scheuher
Brendan Scheuher
Outstanding service!!! Five stars across the line.
Ricky Stitt
Ricky Stitt
Your staff is great thay take the time to help in any way they can and myself and family appreciate it thank you
Gloria Matties
Gloria Matties
Joe was so kind and helpful when I reached out with questions concerning my auto ins. He gave me honest, no pressure advice that I was very appreciative of. Looking forward to working with him in the future.
Meteor Burger
Meteor Burger
Saved me so much money even after knowing I got 15 points on my license 🙏🏾🙏🏾
Jalane Majette
Jalane Majette
Hands down the best company and people you will ever deal with! If you want affordable coverage and a team that truly cares about you and goes out of their way to get you the best rates for your renewal even without being asked, this is the place for you. They are honest and hard working. That is rare to find these days. I will be a lifetime customer of A. Young Insurance!!!
Heidi Shock
Heidi Shock
Joe Leduc was very responsive in responding to my request for quote and understanding my needs to provide me policies that were very competitive. I appreciate his attention to customer service.
John Barton
John Barton
Kasia was such an amazing help and so quick in completing the changes I needed. Wouldn’t get my insurance anywhere else!
Laura Thomason
Laura Thomason
It was excellent thank you
Charla Davis
Charla Davis
A. Young Insurance Agency!!! Amazing work!! I worked with Andrea during my home insurance process. She worked to get the best pricing available. She kept me in the loop at all time. I really appreciate. A. Young Insurance Agency team. I definitely will recommend. Thank you again!
Clarence “CLA” Rice
Clarence “CLA” Rice
I had a great experience with my Agent Andrea… I was comparing home policies..As a senior citizen She explained various companies and ways I could save money each month…and she called me back couple times ON time as I requested…Thanks AgainSandra
Sandra Johnson
Sandra Johnson
Kelly is the agent that I see she is always been there for me and my wife and she is a great help and I thank her so much?
william Gentle
william Gentle
Friendly, great service ,The staff are awesome.
wildman687
wildman687
Kasia was golden, helped me at last minute with my issues. Helped me save money and everything. It was the greatest pleasure working with her.
Slugg 1101
Slugg 1101
Keseac , is the agent who helped me with my insurance and she was so helpful and kind and knowledgeable and understanding and looked for the best way for me to save money, But keep my car is insured and covered. I am truly very grateful that we have switched to a young insurance agency.
Sharon Schmitt
Sharon Schmitt
😆😄such warm generous to work with, they are by far the people to work with!! For all your insurance needs ! I am amazed by how much of a load it took off -we needed them and we have appreciated all the work they do!! Great Neighbors too!
Kathryn Hawley
Kathryn Hawley
Joe did an awesome job at getting me a new great insurance quote on my auto & I appreciate it more than you know!! Thank you Joe!!
Kristen Hebb
Kristen Hebb
They are hands down the best insurance company that I've ever dealt with! Shannon helps us every 6 months with our policy and they make it affordable for me to be able to have insurance on my vehicles! Shannon and Ron are definitely very down to earth people that care about their community and customers! I would highly recommend them to anyone!
Christopher McCall
Christopher McCall
If you're looking for great customer service and the lowest prices, then reach out to A. Young Insurance Agency. Kelly went out of her way to answer all the questions I had on renters' insurance and then combined them with my auto insurance for a better discount. I purchase my auto insurance from Joe back in April, and he provided a great customer experience at a time when everything in my life was a little hectic. Thank you both of them!
Vicki Briggs-Gamache
Vicki Briggs-Gamache
I had a great experience here. Larry really helped me through the difficult task of obtaining auto and renter's insurance. He went above and beyond to help me understand and compare different quotes and policies.
Char Woods
Char Woods
Great agency. Very responsive, friendly and easy to work with.
Hockey33
Hockey33
Joe Leduc is my agent. Joe finds me the best policies for my house in my car. I I know I’m saving a lot of money which means a lot to me and I’m getting the best coverage. Joe researches every company out there and matches me up with the best one I really appreciate his thoughtfulness and his help
Shelley Staffig
Shelley Staffig
Very happy with my insurance agent. He has saved me lots of money over the years. All the staff there is professional and courteous.
angela pollard
angela pollard
Great rates and quick to respond to inquiries! Recommend highly!
Jenny Kemp
Jenny Kemp
I’ve been working with John and the agency for years now, for both car and renter’s insurance. They have been fantastic, thorough, very easy to communicate with, incredibly helpful, and always proactive if there is something they see that can be changed for the client benefit. I love working with them and my needs are ALWAYS met.
Brooke Eason
Brooke Eason
Would highly recommend A.Young InsuranceAlways very helpful.Explains everything so wellAll the staff are always friendly.
Joanna Kinsella
Joanna Kinsella
Joe has taken great care of my insurance needs and my mothers. Always so friendly!
Ashley Nettles
Ashley Nettles
i have recommended this agency
Cedric Stroud
Cedric Stroud
Its a good place i love it
Ahmed Fayyaz
Ahmed Fayyaz

1400 Scott Lake Road, Suite AA
Waterford, MI 48328