Flood Insurance For Kentwood & Byron Center, MI

Get 20+ Quotes Today & Save $796/Year On Average When You Bundle

Flood Insurance for When Mother Nature Strikes

Get the best flood insurance to protect your home and personal belongings against water damage at the lowest rate without sacrificing customer service.

With environmental disasters happening more frequently in Michigan, including the Byron Center and Kentwood area, it’s important to be prepared. And if you live in a flood zone, having flood coverage is crucial.

In fact, most mortgage policies require it. But even if you don’t live in a flood zone, it’s still a good idea to consider getting coverage just in case. Here at Compass Insurance Agency, we’ve got you covered, especially since we are independent brokers that work for you, not the insurance companies.

Our agent specialists can help you find affordable flood insurance that fits your needs. Most people don’t know this, but your flood coverage generally starts 30 days after the purchase date. So don’t wait until it’s too late, make sure you’re protected today so you are covered for the future.

Flood damage and preparation

Flood Damage Vs Water Damage?

There’s a big difference between the two! Flood damage is caused by rising water from natural disasters like hurricanes or heavy rain, whereas water damage is typically caused by faulty plumbing or leaks in your home.

Here at Compass Insurance Agency, we can help you understand the difference and make sure you have the right coverage for your home’s structure and personal property. Don’t let a flood catch you off guard, let us help you be prepared!

In Michigan, you need to get flood insurance written up 30 days before a flood. It seems like pretty short notice if you ask me, but it’s important to get ahead of the game. When it comes to your belongings and your home, being proactive is always the best approach. Saving yourself the headache and the hassle tomorrow is well worth the effort.

What Does Flood Insurance Cover?


Carpet & flooring


Electrical & plumbing

Heating & air units

Understanding Your Flood Policy

It’s important to remember that when you’re looking over your insurance policy, the structure, and personal property coverages may have different limits and deductibles. That means you’ll want to read through all the details carefully to understand what is and isn’t covered when a flood strikes.

Don’t worry, it may seem overwhelming at first, but taking the time to fully understand your policy can save you a lot of headaches down the road. Let Compass help.

We shop over 20 insurance carriers for you, compare apple-to-apple coverages, and present you with the best quotes for your needs. Our process saves our clients on average $796 annually when you take full advantage of all the insurance discounts you are entitled to including bundling your home and auto or multiple home policies.

Flood Insurance FAQs

How much is flood insurance in Michigan?

The average cost of flood insurance in Michigan is $1,225 per year, which might raise some eyebrows as it’s higher than the national average.

Living in Byron Center and Kentwood, MI means dealing with a level of weather that can be unpredictable at times.  It’s crucial to understand that Michigan has more flood-prone areas than other states. This plays a significant role in determining the cost of flood insurance in your area.

Do you need flood insurance in Michigan?

While it’s not mandatory for every property, it’s definitely something to consider. 20% of all flood claims in Michigan come from moderate-risk to low-risk areas.

That’s why we recommend that you seriously consider flood insurance, even if it’s not required for your property. Protecting your home and possessions from unexpected flood damage is always better than dealing with the devastating aftermath.

The Top Insurance Companies We Work With

AAA Independent Insurance Agent logo
Nationwide Insurance
Citizens Insurance
Liberty Mutual
Progressive Insurance

Start Your Flood Insurance Quote

Fill out this quick quote form to get started and a Compass agent will contact you shortly. We handle all the legwork for you. As independent insurance brokers, we are not beholden to any insurance company, so you can be ensured we have your best interest in mind.

Get better coverage at a lower rate with better customer service.