Insurance Advisors Of St. Louis is an independent insurance agency which means our agents are all independent insurance agents. We are able to shop around many different companies since we aren’t tied to just one. This means we find the most competitive rates with the best coverage that fits your needs. We always want to make sure that you make the right decision for yourself. Our agents understand that home insurance doesn’t cover your home from a flood and that is why we want to find you the best St. Louis Flood Insurance at the best price.

Are You Looking For St. Louis Flood Insurance?

If you were to ask most people what they think of when you say flood you will hear many different answers. Most people think of what you see on TV after a natural disaster. Big hurricanes do cause devastating flooding on a huge scale.

Image of flooded garage after heavy rain. Are You Looking For St. Louis Flood Insurance?

The truth is that flooding in your home can be caused by much smaller issues and lead to just as serious problems inside of your home. A broken pipe or a leaky basement can cause thousands of dollars of damage and if you don’t have flood insurance you will be stuck with the price tag of repairing everything.

If you have lived in St. Louis for any amount of time then you probably know someone that has been affected by a flooded basement. With that said, if you are looking for flood insurance in St. Louis, IASTL is the right company because we’ve got you covered. Every single house in the country is technically in a FEMA flood zone, the only difference is that some flood zones are worse than others. The St. Louis flood zone is bad enough that every household needs to be covered by flood insurance.

Remember that when you decide to get flood insurance you will usually have a 30-day waiting period before your policy takes effect. Be sure to get your St. Louis flood insurance ahead of time and before your house floods.

Your Homeowners Insurance Policy Does Not Cover Flood Damage

It doesn’t matter where you live in the country, the state of Missouri, or in St. Louis you have to purchase flood insurance as a separate stand-alone insurance policy.

Again, Homeowners Insurance Does Not Include Flood Insurance

Since flood insurance is a stand-alone insurance type, you get reimbursed for work done by you and your family. So, if you sandbag your house, or have to remove debris or furniture you will be reimbursed for that.

It’s also very common for your mortgage company to require that you have a flood insurance policy in certain areas of St. Louis and Missouri. This is usually when you live in a more severe flood zone.

Aerial view of flooded houses. Remember homeowners insurance doesn't cover floods.

Flood insurance is still optional for anyone else that isn’t in such a high-risk flood zone or if you have paid off your mortgage. But, just because it is optional doesn’t mean you don’t need it. Taking a risk on water damage isn’t one that usually pays off.

Contact IASTL Today For An Insurance Quote On St. Louis Flood Insurance