Flood Insurance

B&S Insurance Agency – Your local experts when looking for a flood insurance company

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Why Choose B&S Insurance Agency as Your Flood Insurance Company?

As a trusted flood insurance company in Lauderhill, B&S Insurance Agency is committed to offering :

  • Tailored Coverage – Every home, business, and vehicle is unique. Hence we understand the importance of customizing it to match each of the individual needs and risk quotient.


  • Competitive Rates – We work with top-rated carriers to find the best value for your flood coverage.


  • Local Expertise – Based right here in Lauderhill, we understand the regional flood risks and how to protect against them.


  • Fast, Friendly Service – From quotes to claims, our dedicated team is here to help every step of the way.


Home Insurance with Flood Cover

Standard homeowners insurance typically doesn't cover flood damage. That’s why home insurance with flood cover is essential in South Florida. Whether you live in a high-risk flood zone or just want added peace of mind, B&S Insurance Agency offers both NFIP (National Flood Insurance Program) and private flood policies tailored for Lauderhill residents.


Our flood coverage for homeowners includes:

  • Building and foundation protection
  • Coverage for personal belongings and appliances
  • Basement and crawl space options
  • Optional replacement cost coverage


Commercial Flood Insurance for Lauderhill Businesses

Running a business in Lauderhill comes with unique risks—including the potential for water damage due to flooding. Our commercial flood insurance helps safeguard your investment from costly interruptions and property damage.


Benefits of our commercial flood insurance:

  • Coverage for business buildings and inventory
  • Equipment and machinery protection
  • Loss of income and business interruption options
  • Compliance with lender requirements for SBA and FEMA loans



We serve a wide range of industries, from retail and hospitality to offices and warehouses.


Flood Car Insurance Coverage

Did you know that standard auto insurance may not fully cover flood damage? At B&S Insurance Agency, we offer flood car insurance coverage options to keep your vehicle protected—whether it’s parked in a driveway or caught in rising water.



Our car flood insurance coverage includes:

  • Engine and electrical system protection
  • Interior and upholstery damage
  • Total loss replacement options
  • Comprehensive auto add-ons and standalone policies


Serving with Pride At Lauderhill, FL & Surrounding Areas

Flooding has always been a serious concern in Lauderhill, Florida, especially during hurricane season. Our team is proud to help local residents and businesses stay prepared, with policies designed specifically for the conditions and risks in our community.

Get a Free Flood Insurance Quote Today

Don't wait for the next storm. Let B&S Insurance Agency help you find the right home, business, or auto flood insurance coverage today.

Contact Us:

Call us at:  (954) 656-8636 / (754) 249-0600


Visit our office at: 4200 NW 16th St #220, Lauderhill, FL 33313


Write to us at:  gaayod@gmail.com / info@myowninsurancefl.com


Or get started with free online instant quotes.


Frequently Asked Questions on Flood Insurance

  • 1. Does my homeowner's insurance include flood coverage?

    Flood damage is not covered under most standard homeowners insurance policies. You’ll need a separate home insurance policy with flood cover to protect against flood-related damages. At B&S Insurance Agency, we offer both federal (NFIP) and private flood insurance options to keep your home fully protected.


  • 2. What is covered under commercial flood insurance?

    Commercial flood insurance covers damage to your business property, including the building, contents, equipment, and inventory caused by flooding. Some policies can also include business interruption coverage. B&S Insurance Agency can tailor a policy that meets the specific needs of your Lauderhill business.

  • 3. How do I know if I need flood insurance in Lauderhill, FL?

    Lauderhill is in South Florida, an area prone to heavy rain and hurricanes. Even if you're not in a designated high-risk zone, flooding can still occur. Our team at B&S Insurance Agency can help assess your flood risk and recommend the right coverage for your home, business, or vehicle.

  • 4. Can I get flood insurance for my car?

    Yes. Flood car insurance coverage is usually available in the comprehensive portion of your auto insurance policy. We can help you add comprehensive coverage or find a standalone option to protect your vehicle from flood-related damage, including engine failure and interior damage.


  • 5. How quickly can I get a flood insurance policy?

    Most flood insurance policies have a standard 30-day waiting period before coverage takes effect unless it's required for a loan closing. It’s best to plan. B&S Insurance Agency can help you get a quote instantly and guide you through the timing and options to avoid any gaps in coverage.