Stay Dry with Reliable Flood Insurance

Protection When You Need It Most

Floods can happen unexpectedly—don’t leave your property unprotected. Our flood insurance plans provide the financial security you need to recover from water damage. Get covered today and stay prepared.

Protect Your Property with Ocean Trust Flood Insurance

At Ocean Trust, we provide reliable flood insurance solutions designed to safeguard your home and belongings from water damage. Whether it’s from heavy rains, storm surges, or unexpected flooding, our coverage ensures peace of mind and financial security. With our expertise and personalized service, you can trust us to navigate the complexities of flood protection while you focus on what matters most. Choose us for comprehensive coverage, affordable plans, and exceptional customer care.

Building Coverage

Protects your property's structure from flood damage.

Contents Coverage

Safeguards personal belongings inside your home.

Foundation Coverage

Covers damages to the foundation caused by flooding.

Debris Removal

Helps cover the cost of flood debris cleanup.

Temporary Living Expenses

Provides housing assistance during home repairs.

Water Damage Repair

Covers flood-related water damage restoration.

Building Coverage (Structure)

Covers the physical structure of the home, including walls, floors, windows, doors, and the foundation.
Also includes built-in appliances, plumbing, electrical systems, and HVAC systems.
May cover detached structures like garages, but often with lower limits.

Contents Coverage (Personal Property)

Covers personal belongings inside the home, such as furniture, clothing, electronics, and appliances, if they are damaged or destroyed due to flooding.
This coverage typically includes items that are not permanently attached to the structure

Flood insurance typically does not cover:

Damage from landslides, mudflows, or erosion (unless caused by flooding).
Damage to vehicles, which is typically covered under auto insurance.
Damage to landscaping, such as trees, shrubs, or fences.
Temporary living expenses (unless additional coverage, like loss of use, is included).
Most types of personal property outside of the insured structure (e.g., items in a basement or in a garage may not be covered, depending on the policy).

National Flood Insurance Program (NFIP):
In the U.S., flood insurance is often available through the NFIP, a federal program administered by FEMA, or through private insurers. NFIP policies have set coverage limits (e.g., up to $250,000 for building coverage and up to $100,000 for contents) and specific terms.

Flood insurance is important for homeowners and renters in flood-prone areas, especially as certain regions may face mandatory flood insurance requirements if they are in designated flood zones.

Address

809 N Homestead Blvd, Homestead

Phone

+1 866-356-2326

Email

info@oceantrustinsurance.com

Get Your Free Insurance Quote Today

Start your journey to peace of mind with a personalized insurance quote. Share your details, and our dedicated team will provide you with a no-obligation, free estimate tailored to your needs. Let us help you protect what matters most.