Contrary to popular belief, flood coverage is not included in your homeowner's policy. Flood is a separate coverage independent of your other lines. Flood zones have more to do with the topography of your property and surrounding areas than how close you are to the ocean.
If your home is located in a flood-prone area, you are 26 times more likely to suffer a flood loss than a loss from fire. Make sure your family is properly covered for your specific flood risk.
NFIP Coverage
The National Flood Insurance Program (NFIP) provides federally-backed flood insurance available to homeowners, renters, and business owners in participating communities.
Private Flood Insurance
Private flood policies often offer higher coverage limits, broader coverage, and faster claims processing than NFIP policies — and may be more competitively priced.
Building Coverage
Covers the physical structure of your home including foundation, electrical, plumbing, HVAC, appliances, and more.
Contents Coverage
Covers personal belongings inside the home including furniture, electronics, clothing, and valuables.
Floods affect people in all parts of the country. Even properties not in high-risk zones can experience flooding from heavy rainfall, storm surge, or drainage system overflow.