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OE Wilson Insurance
Home
Hurricane Watch
Tampa Bay Insurance
Services
  • Mobile Home Insurance
  • Auto Insurance
  • Home Insurance
  • Flood Insurance
  • Commercial Auto Insurance
  • Umbrella Insurance
  • General Liability
  • Artisan Contractors
  • Workers Compensation
  • Business Owners Policy
Carrier Contacts
About
Contact
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  • Home
  • Hurricane Watch
  • Tampa Bay Insurance
  • Services
    • Mobile Home Insurance
    • Auto Insurance
    • Home Insurance
    • Flood Insurance
    • Commercial Auto Insurance
    • Umbrella Insurance
    • General Liability
    • Artisan Contractors
    • Workers Compensation
    • Business Owners Policy
  • Carrier Contacts
  • About
  • Contact

  • Home
  • Hurricane Watch
  • Tampa Bay Insurance
  • Services
    • Mobile Home Insurance
    • Auto Insurance
    • Home Insurance
    • Flood Insurance
    • Commercial Auto Insurance
    • Umbrella Insurance
    • General Liability
    • Artisan Contractors
    • Workers Compensation
    • Business Owners Policy
  • Carrier Contacts
  • About
  • Contact

Get Flood Insurance Today

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Protect your investment from Hurricane and other damage

Flood Insurance in Florida

Don't wait until a hurricane or severe storm to get your flood insurance because there are different waiting periods before your coverage may take effect. If you are required by the landlord, get your flood insurance now.

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What is Covered by Flood Insurance in Florida

Standard flood insurance covers:

  • Damage to/loss of your home: Includes the home or structure's foundation, electrical systems, indoor plumbing, built-in appliances and additional installed flooring, such as carpeting, hardwood or other types of flooring. Detached structures like sheds can also be covered, but usually to a lesser limit.
  • Damage to/loss of your stuff: This includes furniture (built-in and freestanding), smaller/not built-in appliances, artwork, some food, valuables, and clothing.


O.E. Wilson Insurance stands as a reliable ally for Florida residents when it comes to essential flood insurance. Living in a state prone to heavy rains and tropical storms, having adequate flood coverage is not just smart – it's a necessity. O.E. Wilson Insurance offers comprehensive flood insurance solutions that protect homes, belongings, and peace of mind, ensuring that Floridians are prepared for the unexpected and can recover swiftly in the aftermath of flooding events. With a deep understanding of the unique flood risks faced by Florida homeowners, O.E. Wilson Insurance provides tailored coverage that protects residents to weather.

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What's Not Covered by Flood Insurance

While flood insurance in Florida provides essential coverage against the damages caused by flooding, it's important to note that there are certain limitations to what it covers. It's crucial for homeowners to carefully review their policy details and consider supplementary coverage options to ensure that they are adequately protected against all potential flood-related risks.


Flood insurance is only meant to cover natural flooding events like a hurricane, so coverage comes with certain exclusions. However, other types of flooding events are often covered by homeowners insurance. Flood insurance tends to exclude the following:

  • Flooding caused by non-natural water events (e.g., backed-up toilets or sewers)
  • Property outside of the dwelling like patios, fences, pools, septic systems, and plants
  • Natural flooding events that inundate less than two acres of land
  • Mold, mildew, or other moisture damage
  • Earthquake or mudslide damage
  • Additional living expenses


Your O. E. Wilson Insurance Insurance Agency in Florida can help you review other exclusions under flood insurance and help address any concerns you may have.

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We are here to talk about your options

If you would like to speak with someone about your flood insurance options, use the link below.

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Contact Us

Fill out the form with any questions you have about finding the coverage that's right for you!

OE Wilson Insurance Inc.

10675 66th Street North, Pinellas Park, Florida 33782, United States

(727) 535-0524 cinda@oewilson.com

Hours

Monday - Friday: 8:30am - 5pm

Saturday & Sunday: Closed

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  • Home
  • Hurricane Watch
  • Tampa Bay Insurance
  • Mobile Home Insurance
  • Auto Insurance
  • Home Insurance
  • Flood Insurance
  • Commercial Auto Insurance
  • Umbrella Insurance
  • General Liability
  • Artisan Contractors
  • Workers Compensation
  • Business Owners Policy
  • Carrier Contacts
  • Contact

OE Wilson Insurance Inc.

10675 66th Street North, Pinellas Park, Florida 33782, United States

(727) 535-0524

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