When you’re living in Florida, especially in coastal areas like Palm Coast and Flagler Beach, it’s absolutely necessary to have sufficient flood and wind insurance coverage in place to protect your property. Since the typical homeowner’s insurance policy does not include coverage for these areas, most mortgage companies will require property in the state of Florida to have riders for flood and wind insurance for additional coverage.


Here are some areas that flood and wind insurance can provide additional coverage for your property:

• Insured building and its foundation
• Electrical and plumbing systems
• HVAC equipment, furnaces, and hot water heaters
• Built-in appliances
• Permanently installed carpeting
• Permanently installed paneling, wall boards, bookcases, and cabinetry
• Personal contents

Our experienced team of insurance professionals at Flagler County Insurance Agency is here to help you get the flood and wind insurance coverage that you need to keep your property protected. With over a century of experience in insuring properties in Flagler County, we understand the unique nuances associated with Florida property and will help you to get the right insurance coverage in place.