Flood Insurance in South Carolina

Flooding happens, whether it's from street flooding, storms, or from the nearby river. You never know when flooding will happen. At Ingram Insurance Agency, located in Cheraw, SC, we understand the potential damage flooding can cause and offer flood insurance that's right for you.

Why You Should Get Flood Insurance

Your homeowner's policy doesn't cover flood insurance. Therefore, to cover your home against flood damage, you need to purchase a separate flood policy. It doesn't take much water to cause damage. Even in a low-risk area, you can still incur damage from flooding.

Don't wait to get flood insurance. There's a 30-day waiting period before a new flood policy goes into effect. You don't want to be without coverage if it floods.

Finally, you may be required by your mortgage lender to carry flood insurance. We can help you find out more about flood insurance and get the amount of coverage you need to insure your home against flooding in South Carolina.

What Flooding Insurance Covers

Flood insurance covers two things: buildings and personal property.

Building coverage includes:

the building and its foundation
the electrical and plumbing system
Equipment like central air conditioners and water heaters

Along with building coverage, you can get coverage for personal property that includes:

Clothing and furniture
Washers and dryers
Much more

If you rent, you can purchase contents coverage to insure your personal property in the event of a flood.

How We Can Help You with Flood Insurance

When you visit us for flood insurance, we can provide you with more information about what's covered and the limits. We'll walk you through all the details. If you have any questions, we can answer them for you.

Many misconceptions exist regarding flood insurance. We want to help you understand flood insurance and be prepared when flooding happens.