The Flood Insurance Guru

10/06/2026

The Best Flood Insurance Options for Indiana Homeowners, and Who Each One Fits

NFIP, private flood or excess? What each costs in real Indiana quotes, who each one fits, where each falls short, and when another option fits you better.

10/06/2026

NFIP vs Private Flood Insurance in Indiana: 83 Homes Quoted Both Ways

On 78 of 83 Indiana homes we quoted both ways, private flood beat the NFIP. Real median prices by region, foundation and zone, plus when the NFIP still wins.

10/01/2026

Here's the first thing I look at when someone asks me to review a National Flood Insurance Program policy and determine whether it's the best option or not.

By not paying attention to this one thing, you could lose thousands of dollars.

09/30/2026

I recently saw a business owner and homeowner facing a flood insurance rate about $3,000 higher because their agent didn’t know about other options. The agent hadn't kept up with flood insurance education, leaving the customer without a full picture of their choices.That’s a costly reminder: having an insurance agent is not the same as having someone who understands your flood insurance options.If you own a home or business, ask your agent which flood insurance options they reviewed, how the coverage compares, and whether there are alternatives worth considering. And if you’re an agent, keep your flood insurance education current so your clients can make informed decisions. The right questions can make a real difference before you commit to a policy.

09/29/2026

Could your bank require flood insurance for a detached garage, not just your home?Additional buildings on your property can raise separate coverage questions. In this video, we explain what to ask your lender about its requirements and how to review flood insurance options for a detached structure, including the National Flood Insurance Program (NFIP) and private flood insurance. Coverage for an additional building can vary by policy, so don't assume your home's coverage automatically applies.Start by confirming exactly which buildings your bank requires you to insure. Then compare the available policies for those buildings before you decide.

09/29/2026

Do I Need Flood Insurance If I Already Have Homeowners Insurance?

Your homeowners policy won't pay for flood damage. Here's when flood insurance is required, when it's optional, and how to decide for your home.

09/28/2026

Does Homeowners Insurance Cover Flooding? (2026 Answer)

No. Standard homeowners policies exclude flood damage. Here's what is and isn't covered, and how to get flood coverage before you need it.

09/24/2026

This one mistake is costing homeowners thousands of dollars on flood insurance.

09/24/2026

Force-Placed Flood Insurance in Alabama: How to Replace It and Get Your Money Back

Got a lender letter or force-placed flood insurance in Alabama? Learn what it covers, why it costs about 3x more, and the 4 steps to replace it and get refunded.

09/23/2026

What's the real difference between building coverage and contents coverage when it comes to flood insurance?