Flood Insurance

Don’t get caught in a storm. Flood insurance goes beyond your standard homeowners insurance policy.

Invest in flood insurance coverage before there is a risk of flooding. Most flood coverage requires a 30-day waiting period before it is effective. Exceptions include the purchase of a new home. Floods can occur anywhere, even outside high-risk flood zones. Most homeowners policies will not cover damages caused by flooding.
Flood insurance protects from severe water damage caused by heavy rain, melting snow, and storms. You may be required to purchase flood insurance from your lender, or you may want extra protection for your property. Douglas Bennett Insurance can help determine if a flood insurance policy is right for you.

A standard homeowner policy protects you against:

  • Liability
  • Fire
  • Lightning
  • Windstorms/Hail
  • Smoke Damage
  • Falling Objects
  • Freezing
  • Weight of Ice and Snow
  • Vandalism
  • Theft of personal property

Damages that are EXCLUDED from your standard homeowner policy:

  • Earthquake
  • Flood
  • Water Backup/Sump Overflow
  • Vermin/Rodent/Insect

    Coverage may be purchased for the above exclusions. 

    Available Discounts

    Smoke Detectors
    Smoke detectors in your home may make you eligible for discounts.

    Home Security
    The presence of burglar and fire alarms, deadbolts, and automatic sprinklers may make you eligible for discounts.

    Mature Credit
    If you are age 55 or older and one of the named insureds is retired, you may be entitled to an additional discount.

    New Home Discount
    There may be discounts depending on the age of your home.

    Green Discount
    Go paperless. You may be eligible for a discount.

    Scheduled Items

    Your homeowners policy provides broad coverage in the event of a loss, but it has limitations on certain items. You can schedule a valuable item into your homeowners policy for a minimal premium. By doing this, you are ensuring the item is covered for all perils.

    These are common items that can be added as scheduled property:

    • Jewelry
    • Furs
    • Cameras
    • Musical Instruments
    • Silverware
    • Golf Equipment
    • Fine Arts
    • Bicycles

    Douglas Bennett Insurance

    1842 Winder Highway
    Jefferson, GA 30549

    Phone: (706) 367-9954
    Fax:  706-367-2130
    Email: douglas@dbennettinsurance.com

    Hours of Operation

    Monday - Friday: 9:00AM – 5:00PM
    Saturday by appointment