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Flood Insurance

Protecting Homeowners, Landlords, and Renters in Tacoma and Lakewood, WA

For most homeowners, landlords, renters, and business owners, insurance policies don’t include flood coverage.  Flood insurance is offered through the National Flood Insurance Program (NFIP), which is administered by the federal government.  Independent agents can sell it, as we do, and it’s often helpful to purchase this type of insurance through independent agents because these agents can optimize one’s policy and coach policyholders through purchases, risk management, and cost reduction.  At Elliott Insurance Group, we do all of these things and we deliver superior customer service on top of it.

Coverages Tailored to Your Needs and Assets

Every individual in the United States lives in a ‘flood zone’ due to the fact that every area in the country is capable of sustaining flood damage.  There are different types of flood zones – high-risk and low-risk – and depending on the zone in which one lives, his or her flood insurance may be more or less expensive. 

At Elliott Insurance Group we use ‘flood zone determination’ and a host of other factors to gauge risk and to select coverages for clients.  Selected coverages are assembled in flood policies, of which there are two types: preferred risk and standard risk.  Preferred risk policies are often sold to individuals and businesses that reside in low-to-moderate risk areas.  Standard risk policies are sold to individuals and businesses in high-risk areas.  These policies include combined coverage, building-only, and contents-only coverages. 

While the federal government determines rates, limits, and deductibles, we can help adjust your coverage plan to save you the maximum amount of money and help you reduce your overall costs.  Doing this begins with selecting the right coverages.

Coverage limits for flood insurance are based on the value of buildings and contents that are insured.  Maximum coverage limits are determined by the NFIP as follows:







Nonresidential (commercial)




Different types of flood insurance policies that are available for purchase include general property, residential condominium building association, and standard flood-dwelling.  For standard flood-dwelling you have two options: building property coverage and personal property coverage.  A flood insurance policy won’t pay out more than the exact amount determined in a policy, but you can choose building property insurance that’s either at replacement cost value (RCV) or actual cash value (ACV).  Personal property insurance is only available at ACV. 

The specific coverage options that fall under each of the three flood insurance coverage categories include:

Building Property Coverage

Contents Coverage

Other Coverages

Building and foundation

Personal belongings such as clothing, furniture, and electronic equipment

Debris removal

Central air conditioning equipment, furnaces, and water heaters 


Loss avoidance measures

Refrigerators, stoves, and built-in appliances 

Portable air conditioners and other portable devices

Increased cost of compliance


Flood insurance can be daunting.  We will be here to help you select the right coverages and assemble the right plan; all for right price.  

Why Choose Elliott Insurance Group?

We know flood damages and flood insurance coverages well, so we can provide you with a flood policy that prepares you for the worst for the lowest possible premium.  Our agents are local so they know your flood risks and how to mitigate these risks.  Our agents know the entire state of Washington in fact, and as a result can determine the best possible solution for you.

We’re dedicated to giving you the best deal for your investment dollars.  This means providing you with the best products, managing risk and claims, and giving you the finest customer service anywhere.  These things help you stay protected, reduce costs, and feel good about your insurers.

If you’d like to learn more, please contact us or give us a call.  You can start finding out about a policy by requesting a quote

Elliott Insurance Group is proud to provide flood insurance in Tacoma, Lakewood, Seattle, Puyallup, Olympia, and Federal Way, WA.  We also serve other areas throughout the state.  

Our Location

Elliott Insurance Group

7609 Steilacoom Blvd # 500
Lakewood, WA 98498
Main office: 253-655-2223
Fax: 253-537-9200

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.