Insurance Service
Flood Insurance
We shop so you don’t have to. Compare flood insurance rates today!
At Kentucky-Bred Insurance, we make it easy to protect what matters most from unexpected flooding.
We help homeowners:
* Determine if a property is in a flood zone
* Compare NFIP and private flood insurance options
* Get the right coverage for your home and belongings
Even homes outside high-risk areas can be vulnerable. A simple flood zone check and the right insurance can save you thousands in potential damages.
Don’t wait until it is too late. Contact us today to review your flood risk and get a free insurance quote. Many homeowners are surprised to learn that standard homeowners policies don’t cover flood damage but we can help you find the right flood insurance to fill that gap.
Our experienced local agents shop multiple top rated carriers to find the right protection for your home, property, and peace of mind.
Answers of Some Common Question
Does my homeowners insurance cover flood damage?
No, homeowners insurance does NOT cover flood damage.
You’ll need a separate flood insurance policy to protect your home, foundation, and belongings from rising water, heavy rain, or storm-related flooding.
What does flood insurance cover?
Most policies include:
- Building Coverage – Protects your home’s structure, foundation, plumbing, and electrical systems.
- Contents Coverage – Covers personal belongings like furniture, clothing, and electronics.
You can choose to cover both, or just one — depending on your property and budget.
Do I need flood insurance if I’m not in a high-risk area?
Yes! Roughly 25% of all flood claims come from properties in low- or moderate-risk areas.
Flooding can happen anywhere from heavy rain, snowmelt, or nearby creek overflow not just in flood zones.
Is flood insurance required?
If you have a federally backed mortgage and your property is in a high-risk flood zone, flood insurance is mandatory.
Most private lenders and banks also require flood insurance if your property is considered to be in a high-risk flood zone.
Even if it’s not required, it’s highly recommended for any Kentucky homeowner or property investor near creeks, lakes, or low-lying areas.
Is there a waiting period before coverage starts?
The waiting period can be waived for new home purchases.
What if I rent? Can I get flood insurance?
Yes! Renters can get contents-only flood insurance to protect their personal belongings like furniture, clothing, and electronics from flood-related damage.
Can you tell me if my property is in a high-risk flood zone?
Absolutely! Our team uses software with the most up-to-date flood zone classifications. Give us a call or fill out our form to learn more.
Why Choose Kentucky-Bred Insurance?
Independent & Local:
Personalized Coverage:
From single-family homes to rental properties, we tailor your policy to match your needs not a cookie-cutter plan.
Fast, Friendly Support:
Our agents are based right here in Kentucky and are always ready to help — before, during, or after a flood claim.
Community-Focused:
We’re proud to serve Kentucky homeowners and help them protect what matters most — their families, homes, and futures.
“Floods can happen anytime, anywhere even in low-risk areas. Protect your home and belongings from costly damage with reliable Flood Insurance. Get your free quote today and stay one step ahead of the storm.”
Ready to Get Started?
Step 1: Request a Flood Quote
Getting a quote is quick and simple. Fill out our short form or give us a call, and we’ll handle the rest — from comparing policies to explaining your coverage options.
Step 2: Review & Choose Your Coverage
We’ll walk you through several policy options from trusted carriers so you can find the best combination of protection and price.
Whether you’re insuring your home, rental property, or investment portfolio, we’ve got you covered.