The top-rated flood insurance agent in Flint, Michigan is L.A. Insurance, rated 4.8 stars across 459 reviews. Other highly rated options include Pioneer State Mutual Insurance Co, Security First Insurance Agency, Inc, BGM Insurance Agency, Inc. This directory lists 19 flood insurance agents serving Flint.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | L.A. Insurance | 2927 Saginaw St | (810) 785-9000 |
| 2 | Pioneer State Mutual Insurance Co | 1510 Elms Rd | (810) 733-2300 |
| 3 | Security First Insurance Agency, Inc | 3526 Miller Rd G | (810) 732-5800 |
| 4 | BGM Insurance Agency, Inc | 1063 E Hill Rd | (810) 244-9200 |
| 5 | Al Bourdeau Insurance Agency | 3835 Davison Rd | (810) 742-3411 |
| 6 | Ron Gillum Jr - State Farm Insurance Agent | 1510 W Court St Suite 1 | (810) 239-3550 |
| 7 | Phillips Insurance - An Independent Agency Since 1917 | 6045 Corunna Rd # B | (810) 230-0020 |
| 8 | Blackmore Rowe Insurance | G-6235 Corunna Rd Suite H | (810) 720-8244 |
| 9 | Mark Owen Insurance Agency | 4386 Lennon Rd | (810) 732-5000 |
| 10 | PLPD Insurance - Flint | 1391 Bristol Rd | (810) 341-5077 |
L.A. Insurance serves homeowners, businesses, and property managers in Flint, Michigan, offering flood insurance to protect against water damage from heavy rains and rising rivers. The agency helps clients understand flood zone requirements and secure appropriate coverage for their properties. Policies are designed to cover structural damage and personal belongings. Residents and property owners can rely on professional guidance through the application and claims process. The agency also extends its flood insurance services to neighboring communities within the Genesee County metro area, including Burton.
Pioneer State Mutual Insurance Co serves the Flint, Michigan metro area as a flood insurance agent. The company provides coverage options for residential and commercial properties, helping clients secure policies that protect against water damage from rising waters and severe storms. It assists property owners in navigating federal flood program requirements. Services include policy review to ensure adequate coverage limits and guidance on filing claims after a flood event.
Security First Insurance Agency, Inc in Flint, MI provides flood insurance policy evaluation, application assistance, and claims support for residential and commercial clients. It offers annual policy reviews to help ensure coverage remains appropriate for changing flood zone risks and property values. The company also assists with flood zone determination and elevation certificate guidance for property owners. This agency services single-family homes, apartment buildings, retail spaces, and local restaurants.
BGM Insurance Agency, Inc serves the Flint, Michigan area and its surrounding communities, handling flood insurance policies for residential and commercial property owners. The agency guides clients through flood zone determinations and coverage options available under the National Flood Insurance Program. Each policy is assessed based on the specific flood risk of the individual property. To handle a typical job, the agency gathers detailed elevation and location data to determine appropriate coverage levels and complete the application process with the insurer.
Al Bourdeau Insurance Agency serves homeowners, businesses, and property managers in Flint, Michigan, by providing flood insurance policies designed to protect against water damage from heavy rains or rising rivers. The agency guides clients through flood zone requirements and policy options, helping them secure coverage for structures and contents. It also serves neighboring communities throughout Genesee County, including Burton and Grand Blanc.
Serving the Flint area as a flood insurance agent, Ron Gillum Jr - State Farm Insurance Agent offers specialized policies designed to protect homes and businesses from water damage. The agency works with clients to help them understand coverage options for this specific risk, which is typically excluded from standard homeowners policies. It also provides general guidance on risk assessment for properties in the region. This service is particularly important during Michigan’s spring thaws and heavy rain seasons, when rapid snowmelt and saturated ground greatly increase the likelihood of residential flooding.
Phillips Insurance serves the Flint, Michigan area and its surrounding communities, handling flood insurance policies for residential and commercial properties. As an independent agency established since 1917, it helps clients understand the risks specific to local flood zones and secures appropriate coverage through various provider options. The agency guides property owners through the application process, including elevation certificate requirements and policy endorsements. For a typical job, it reviews the property's flood history and current risk factors to determine suitable coverage limits and deductibles for each client.
Blackmore Rowe Insurance in Flint, MI helps clients understand the difference between one-time flood claims assistance and recurring flood policy management. Their coverage options protect homes and commercial properties from water damage, including from storms and overflowing waterways. As a local flood insurance agent, they guide policyholders through risk assessment and necessary federal requirements. Service for new policies runs on a one-time basis, while annual renewals and coverage adjustments are available on a scheduled basis to meet changing needs as property conditions evolve.
Mark Owen Insurance Agency in Flint, Michigan, distinguishes between one-time flood policies for short-term protection and recurring annual coverage for long-term risk management. The agency provides standard flood insurance that safeguards residential and commercial properties against water damage from rising waters. Coverage options include structural repairs and replacement of personal belongings affected by floods. Service is available on an as-needed basis, allowing clients to request policies when required or upon changes in property and flood zone status.
Spring snowmelt and heavy rains can quickly elevate water levels in Flint, placing basements and lower floors at risk. PLPD Insurance - Flint assesses these local flooding concerns to help homeowners and businesses understand their exposure. The agency focuses entirely on flood insurance agent work, guiding clients through policy options that address standard property plans. Each consultation reviews specific flood zones and building characteristics to tailor coverage. A thorough site inspection follows the initial conversation, identifying vulnerabilities before protection is finalized.
What Does a a Flood Insurance Agent in Flint Cost?
The cost of flood insurance in Michigan varies by property location elevation and coverage amount. For a standard NFIP policy annual premiums typically range from 600 to 2000 dollars for most homes in Flint. Higher risk properties may see premiums above 3000 dollars. Private market policies may offer different pricing. This is general information and not insurance advice.
About flood insurance agents in Flint
Flood insurance agents in Flint Michigan help property owners secure coverage through the National Flood Insurance Program and private insurers. Michigan law requires lenders to mandate flood insurance for properties in high risk flood zones. Agents in Flint understand the local floodplain maps and can guide you through the policy options available for your home or business.
Frequently Asked Questions
Do I need flood insurance in Flint Michigan?
If your property is in a Special Flood Hazard Area designated by FEMA your lender will require flood insurance. Even outside high risk zones flooding can occur from heavy rain or snowmelt. An agent can review your specific risk and help you decide.
What does a flood insurance policy in Michigan cover?
A standard NFIP policy covers structural damage and personal property up to policy limits. It does not cover basement improvements or items stored in basements. Your agent can explain the exact coverage details for your situation.
How do I choose a flood insurance agent in Flint?
Look for an agent licensed in Michigan with experience in NFIP policies. Ask about their knowledge of local flood zones and the claims process. A good agent will explain policy exclusions and help you understand your options.
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