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Flood Insurance

Flood Insurance Explained

Those who have been victimized by severe flooding can attest to the devastation that is one that can be left within the aftermath of such a tragedy. This devastation will often include homes, businesses, and all that lies within. If you happen to reside in a zone that is designated as a high risk for flooding, it is vital to obtain good flood insurance.

 

Home

Life

Business

Auto

What is it?

This coverage is available for those who own homes and condos, renters, commercial renters, and businesses. It protects the structure and the personal contents that lie within. Keep in mind that there will be various items excluded from coverage and you are well served in reviewing all this with an insurance professional. Protection for basements, for instance, can be limited along with any edifices outside of the main structure like swimming pools, sheds, and so on. These things would often need to be specifically covered as policy add-ons.

Who Benefits?

This coverage is tailor-made for those who reside in flood zones or areas where the likelihood of damage from mudslides, broken water mains, and severe storms is high. This insurance is specifically engineered to cover for such perils. Generally, these types of policies are divided into two designations, moderate-to-low risk, and high-risk categories. People who live in moderate-to-low-risk zones can purchase this coverage for a relatively low price. High-risk areas are covered more comprehensively and include more on the inside and more protection of the buildings themselves at a higher purchase price.

How Does It Work

Insurance premiums are determined by several things, including the year the building was put up and whether it is located in a flood zone. Other determining factors include the number of stories and where the contents covered, etc. Your premium is also determined by the level of coverage you choose and how large the deductible will be. If you carry a mortgage and also reside in a high-risk flood area, lenders will also mandate that you obtain this insurance coverage to protect their investment as well.

FEMA

The government provides coverage from FEMA, which is the national flood insurance provider. Also, several private companies also provide this coverage. The law mandates that private insurance agents be members of the National Flood Insurance Program (NFIP) in order to offer this specialized coverage. This agency serves to provide financial help to those who are the victims of flood damage.

Benefits

A big plus in having this coverage is the knowledge that should a flood disaster strikes, you are not left helpless. This protection keeps the policyholder from suffering the consequences of extreme financial loss due to a flooding disaster.

Good customer service and rates for both home and auto.
Ruth
Ruth
Joe was so kind and helpful when I reached out with questions concerning my auto ins. He gave me honest, no pressure advice that I was very appreciative of. Looking forward to working with him in the future.
Meteor Burger
Meteor Burger
John and his Team are always there to help us out. We carry various insurance policies we bundle and they make sure we are always getting the best service. I would recommend this team to everyone!
Mary Milsk
Mary Milsk
Shannon is the Best. Make sure you call "Young Insurance" because she use to work for Look Insurance but after she branched out and away from Look, they took her telephone number away and if you call that number a snotty guy will answer and won't give you any information on how to get in contact with Shannon. He seems that he doesn't like the fact that she is doing very well and offers a better insurance rate. So keep that in mind when looking her up.
Tim Simmons
Tim Simmons
Best of the best. Shannon is a gem that has gone above and beyond for my wife Lori West over the years. She just helped me get the best priced policy and is so very pleasant to work with. Larry also spoke with me and helped with our concerns. A. Young is by far the best. Thank you!
Phil West
Phil West
Super responsive, and dedicate their time to explain any questions you have. On top of the great service, they got me a great deal. If you're looking for a new insurance agency this is it.
M Rut
M Rut
20 years old and they got me the best rate!
Joseph Kovalchik
Joseph Kovalchik
Working with the agents here is a breeze. Best rate for the right coverage!
Andrew L
Andrew L
The staff is very knowledgeable and helpful and always takes the time to help me with my problem. I highly recommend them.I had occasion to change over my home insurance to A.Young Agency, and once again I was met with exceptional service by Joe LeDuc and Christine the office manager. They make one feel like they are family and go above and beyond to make one’s experience easy and stress-free. I highly recommend them.
Anne Lee
Anne Lee
All staff are very responsive and helpful great agency
Eric Doty
Eric Doty
Shannon is fantastic. She always takes time to acknowledge me when I stop in. The team there is friendly and I feel like they, although very professional, have a very personal investment in their business. 🥰
Mark Rouleau
Mark Rouleau
I've know John for many years and he's a Great Guy who knows his stuff.
M.C. Cawley
M.C. Cawley
I absolutely love this insurance company! They always call when there's a better deal available to save me money! This company keeps in touch and cares about their customers and even remembers my birthday and sends a birthday card! If there's a problem with the account they're quick to investigate. They always have a solution! Thank you A Young I love all of you! Even though the pandemic has been hard on my family you always know how to make me smile! GOD BLESS YOU ALL!
Lillie Collins
Lillie Collins
Working with Young Insurance is a pleasure.staff is friendly,knowledgeable,and will work with you to get the insurance you need at the best rates.
Kevin Cavanaugh
Kevin Cavanaugh
I just love Shannon, she's the best!! She works so hard to get the best rate for me.I would highly recommend this company.
Barb Genta
Barb Genta
Got me what I needed, when I needed it and at the price I needed.
Dale Hartzfeld
Dale Hartzfeld
Nice friendly local place for insurance
Kathleen Hoadley
Kathleen Hoadley
Joe is the best! Friendly staff that cares about you. I felt like family. Really appreciate the guidance and ease of switching insurance companies. Thank you - Nikki
Nikki Quintanilla
Nikki Quintanilla
Everything we buy in life has three parts to it.Service, price and quality. Normally, one can only expect two out of three. Very rarely do you ever get the total package. A Young Insurance is an insurance company~ that has excellent service , excellent quality and excellent prices! 10 🌠
Tracy Richardson
Tracy Richardson

1400 Scott Lake Road, Suite AA
Waterford, MI 48328