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The Michaels Group
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Flood Insurance:

Protection When You Need It Most

Floods can happen when you least expect them, leaving devastation in their wake. Protecting your home or business from flood damage isn’t just a precaution—it’s peace of mind. At The Michaels Group, we understand the unpredictable nature of floods, and we’re here to help you prepare before it’s too late. With personalized flood insurance policies, we’ll ensure you’re ready for whatever comes your way.

he Difference You’ll Notice Right Away

Why Choose The Michaels Group?

  • Tailored Coverage: We customize flood insurance policies to fit your specific property and risk level.
  • Access to Top Providers: We work with over 25 leading insurance carriers to find the best coverage at competitive rates.
  • Expert Guidance: We’ll help you understand your flood zone and coverage needs without the hassle.
  • No Broker Fees: Receive professional service without paying extra fees.
  • Decades of Trust: As a second-generation agency, we’ve been helping families and businesses secure flood protection for years.
About Us

A Full-Service Insurance Team That Actually Picks Up

When you’re shopping for insurance, you don’t want delays, automated systems, or a message telling you someone will call back in 72 hours. You want clear answers, straightforward options, and a team that handles the details without passing you around. The Michaels Group is a 20–25 person independent insurance team, and when you call during business hours, you speak directly with a member of our team — available until 9:00 PM on weekdays and 5:00 PM on weekends, with all after-hours inquiries returned by 8:00 AM the next business day. We provide same-day quotes and same-day certificates, and we proactively manage your account so you’re never left chasing paperwork or wondering what comes next.

25+

Insurance Carriers

1000+

Happy Clients

24/7

Support Available

flood INSURANCE Services

Key Features of Auto Insurance

Building Property Coverage

Protects your home or business structure, including the foundation, electrical systems, and plumbing.

Personal Property Coverage

Covers your belongings, such as furniture, appliances, and valuables, from flood-related damage.

Temporary Living Expenses

Covers costs if your property becomes uninhabitable due to flood damage.

High-Risk and Low-Risk Zone Options

Policies available for both high-risk and low-risk flood zones.

Customizable Add-Ons

Tailor your coverage to include additional protections based on your specific needs.

FAQs Flood Pet Insurance

  • Do I need flood insurance if I don’t live in a high-risk flood zone?

    Yes! Flooding can happen anywhere, and more than 20% of flood insurance claims come from properties outside high-risk zones.

  • Is flood insurance included in my homeowners policy?

    No, flood insurance is typically a separate policy. We can help you add this important protection.

  • How are flood insurance premiums determined?

    Premiums are based on factors like your property’s location, elevation, flood zone designation, and coverage limits.

  • What does flood insurance not cover?

    It doesn’t cover damage caused by moisture, mildew, or mold unless they result from a covered flood event. Items outside the building, like landscaping, are also not covered.

How to Tell Things Are Working

How to Know You’re on the Right Track

It doesn’t cover damage caused by moisture, mildew, or mold unless they result from a covered flood event. Items outside the building, like landscaping, are also not covered.

Testimonials

What Our Clients Say

Don't just take our word for it. Here's what our valued clients have to say about their experience.

X. G

Mark Sharifi

Eric HILL

Ellen Miller

Mildred Rodriguez

Get Started Today

Ask Us Anything, We’d Love To Answer!

Florida Office:

1119 N Dixie Freeway, New Smyrna Beach, Florida 32168

386-274-8150


New York Office:

425 New York Avenue, Huntington, New York 11743

(631) 629-2233

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