Based in Saint Charles, MO, Nieroda Insurance Agency assists the community by offering residents different types of insurance coverage. We are committed to helping our clients through every step of the process, so that they can find insurance coverage that fits their individual needs.

Flood Insurance

Several areas in Missouri are prone to high-risk flooding. Severe flooding has the potential to cause serious damage. As a Saint Charles, MO resident, consider the benefits of flood insurance. Flood insurance protects your property if it is damaged due to severe flooding. The policy also covers your personal items if they are damaged as a result of severe flooding. Flood insurance provides a safety net if a disaster should arise.

If you have any luxury items such as antiques in your home, you may have to amend your policy in order to fully cover those items. Also, make sure that your home has been appraised before you research different policies. This will give you an accurate projection of the true value of your home. That should benefit you while you are searching for the right policy.

If you plan to renovate your home and install new carpeting or a new sink, make sure that you have amended your policy to cover these projects. Do not assume that flood insurance will cover these new items. You can also add extra coverage to protect you if any outdoor structures are seriously damaged due to flooding. This is helpful is your garage suffers extensive damage. You may have to add extra coverage to protect you if your outdoor fence or patio is impacted.

Consult With Nieroda Insurance Agency

We will use our extensive knowledge of the NFIP to help you find coverage. Visit our website today to learn more information.