Do You Need Flood Insurance?

Are you in a federal flood zone? (We can help you find out.) Is flood insurance included in your homeowners policy? (No). Do you need flood insurance if you aren’t on the shore? (Maybe.) Does your policy cover damage from a hurricane or hailstorm? (Not likely.) At Morris & Templeton, we offer clients in Georgia and North Carolina on their risks and options in this often-neglected area.

  • National flood insurance: Our knowledge of the National Flood Insurance Program, spearheaded by FEMA, gives us unique insight into available options for covering your home or business against the damage caused by flooding. We work to offer the advice you need to understand the benefits and protection offered by a residential or commercial flood insurance policy. We also offer advice on the flood insurance rate map and how the physical location or your home or business may impact the costs of flood coverage.
  • Wind and hail insurance: Severe weather is common in this area.Adding wind and hail insurance to your coastal home protection plan is a viable strategy for avoiding expenses related to storm damage to your home or business.
  • Hurricane insurance: While hurricane insurance may not technically exist, much of the damage commonly caused by such storms falls under wind and hail insurance, making it important to carry such a policy on your coastal area property.

Options for flood insurance in Georgia and North Carolina

Our relationships with multiple providers, combined with our experience handling flood insurance policies, allows us to help you quickly and easily compare South Carolina and Georgia flood insurance quotes, all with one phone call to our agency.

Our work in the homeowners and business insurance fields also allows us to offer advice on multi-policy discounts, allowing us to help you limit the cost of flood insurance and create a coverage package for your home or business.

From offices in Atlanta and Savannah, we are pleased to serve home and business owners throughout the area, including those in Hilton Head, SC. Request a quote or call 912-355-4549 to begin comparing Georgia and South Carolina flood insurance rates with the help of an experienced agent. To have a member of our staff call you, contact our agency online.