Flood Insurance in Missouri & Illinois
Flooding is one of the most destructive natural events, and many homeowner policies don't provide coverage for flood-related damage. At The Milburn Agency, located in Florissant, MO, we offer flood insurance options to protect properties in St. Louis and across Missouri. Whether you need coverage for your residence or business, our team can help you secure protection tailored to areas prone to flooding.
What Does Flood Insurance Cover?
Flood insurance is specifically designed to cover damage caused by rising water, overflow, or mudslides—risks not addressed by typical homeowners or commercial policies. Here is what flood insurance covers:
- Building Coverage: Protects the physical structure of your home or business, including walls, roofing, foundation, and permanently installed fixtures such as cabinetry and plumbing.
- Personal Property Coverage: Covers belongings inside your property, such as furniture, appliances, electronics, and clothing, against damage caused by flooding or mudslides.
- Replacement Costs: Provides reimbursement or coverage for repair and replacement costs for items covered under your policy.
- Commercial Property Damage: Ensures protection for your business's physical structure, office equipment, inventory, and tools if impacted by flooding.
Why You Need Flood Insurance
Standard homeowners' insurance policies don't cover flood damage, which means millions of residents and businesses are at risk without protection. In Missouri, flood risks can arise from heavy rainfall, river overflows, or snowmelt, especially in the St. Louis area and its surrounding regions. Flood insurance provides:
- Financial protection for costly repairs and restoration
- Compliance if flood insurance is required for your property
- Support for rebuilding and recovering after a flood
Let The Milburn Agency Help You Stay Protected
Flooding can happen without warning, but you can ensure you're prepared with the proper coverage. The Milburn Agency in Florissant, MO provides flood insurance options tailored to your property and location. Whether you're insuring a home or business, we're here to help. Use our online quotes tool or contact us today for personalized support.
