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414 26th St W
Bradenton, FL, 34205
United State


Manatee Insurance Services, Inc. have been working locally with Floridians to save money and time insuring all major properties including Autos, Homes, Motorcycles, and Boats for over 35 plus years! Come save money and time finding the right insurance all under one roof. Lets get saving Florida! Contact us for a second look on what you will save.


Things You Need To Know About Flood Insurance

Matthew Smith

Did you know one inch of floodwater in your house (2,000 square foot) could cost up to $21,000?


Moreover, when buying home insurance, flood insurance is something homeowners tend to leave out or do not pay attention to.

Unfortunately, natural disasters are something that cannot be controlled. Moreover, the damage caused b is extremely detrimental and it is not covered by standard home insurance policies.

Homeowners who don’t possess dedicated flood insurance policies may find themselves paying thousands in repairs.

Here’s all you need to know about flood insurance:

What Gets Covered

The National Flood Insurance Program (NFIP) states that there are 2 parts to flood insurance:

1.     Building Property Coverage

-The building that has been insured and the foundation

-Plumbing and electrical systems

-Hot water systems, central air conditioning, and heating

-Kitchen appliances

-Carpeting installed on unfinished floor

-Wallboards, cabinets, paneling, and wallboards that have been permanently installed

-Blinds on windows

-Garages and debris removal

2.     Personal Contents Property Coverage

-Electronics, clothing, and furniture


-Window or portable air conditioners

-Ovens, microwaves, dishwashers (portable)

-Additional carpets

-Dryers and washing machines

-Food in the freezers and freezers

-Valuables like furs or original artwork

What to Know

Get it fast

There is no need to wait until the last minute when considering flood insurance policies. If you are familiar with the policy buying process, you might know that it takes a few days after applying that you actually get the policy. This makes it all the more important to have a flood insurance policy as soon as you purchase a home.

No assumption

If you are living on rent, there is a chance that you might still need flood insurance coverage. If the property owner did not invest in flood insurance, it means you will not get the benefits in case anything happens. In this case, if water damages your valuables, you will need to cover them yourself.

Get it for your commercial property as well

Most offices are full of important files, expensive furniture, and expensive equipment. There is a constant risk of rainwater or floodwater entering your building; therefore, getting flood insurance would is always the best option. Otherwise, you would be stuck with residual mold and paying hefty bills for all the water damage.

Educate yourself

Despite of where you live, it is important to be aware of flood insurance. Anything can happen anytime, which if why you should check out the National Flood Insurance Program to gain insight.

This is everything you need to know about flood insurance.

If you reside in the Bradenton, FL area, contact Manatee Insurance Services. They are the most reliable insurance brokers and they can provide you with flood, car, home, boat, and motorbike insurance at affordable rates.