At HIA Insurance, we work with you to ensure that you choose the insurance companies and products that are right for you.

If you own a home, you most certainly have an insurance policy protecting you from fire, wind, etc… but did you know that Flood is not covered by the standard homeowner’s policy. Many people think just because they do not live in a flood zone that they do not need flood insurance, unfortunately that is not always the case.

HIA Insurance is an Independent Insurance Agency with access to the National Flood Insurance Program (NFIP) as well as having access to private insurance companies offering flood insurance.

If you live in a flood zone, more than likely your lender has required you to purchase flood insurance. HIA Insurance can help you with that need but below are some reason why you might consider purchasing flood insurance even if a lender has not required it.

• Dry areas can experience flash floods
• Inadequate drainage in some areas
• Heavy snow thaw
• Heavy rains can soak the soil
• Unpredictable weather conditions

Because of the above conditions, your chances of a flood loss are statistically higher than a loss due to fire or windstorm.

If any of this has raised questions about your current coverage, give us a call today for a professional review of your insurance.

(HIA Insurance is licensed to do business in Indiana and Illinois.  We are also licensed in the states of Florida and Michigan, and offer products and services in those states on a limited basis.  This Web Site is not a solicitation for business in states for which we are not licensed.)