Flood Insurance
Flood Insurance for the Unexpected
protecting your property
Proactive Step Toward Financial Security
Floods are the most common and costly natural disaster in the U.S. — and yet, most standard homeowners and commercial property insurance policies do not cover flood damage. At Berger Briggs Insurance, we offer Flood Insurance solutions that safeguard your home, business, and belongings when rising water threatens your peace of mind.
Whether you live in a high-risk flood zone or an area with occasional heavy rains, protecting your property with the right flood policy is a smart and proactive step toward financial security.
Building Property Coverage
Protects your home or commercial structure, including the foundation, walls, electrical and plumbing systems, HVAC, flooring, appliances, and more.
Personal Contents Coverage
Covers furniture, clothing, electronics, and other personal or business belongings damaged in a flood.
Commercial Flood Insurance
Available for business properties, inventory, and equipment — helping you get back up and running faster after a flood event.
Let’s Protect What You’ve Built
What Flood Insurance Covers
Flood insurance helps you recover from damage caused by excessive rainfall, overflowing rivers, flash floods, storm surges, or rapid snowmelt. We work with the National Flood Insurance Program (NFIP) and select private carriers to provide flexible coverage options.
You don’t have to live near a river or coastline to experience a flood. In fact, over 25% of flood claims come from low- to moderate-risk areas. If you own property, flood insurance is an essential layer of protection — and in high-risk zones, your mortgage lender may even require it.
At Berger Briggs, our experienced agents will walk you through your flood risk, policy options, and premium costs — making it easy to secure the coverage you need. We’re here to help you prepare for the unexpected, so you can recover faster when disaster strikes.