Flood Insurance, explained.
Flood is excluded from homeowners, this is the policy that responds.
Flood Insurance
Flood insurance pays for damage caused by water that enters the home from outside, rising rivers, storm surge, heavy rainfall overwhelming drainage and tidal events. It is a separate policy because homeowners excludes flood.
Flood is the most common natural disaster and roughly a quarter of flood claims occur outside designated high-risk zones. Just a few inches of water can cause tens of thousands in damage.
Is this for you?
Inside a Flood policy.
When this coverage pays off.
Storm surge enters first floor
A coastal storm sends water through ground-floor rooms. Flood coverage pays for repairs and contents.
Heavy rain overwhelms drainage
A 100-year rainfall floods the home from outside. Flood, not homeowners, responds.
River overflow
Rising river water enters the basement and ground floor. Building and contents coverage handle the loss.
Plain-language answers.
NFIP is the federal program; private flood often has broader coverage, higher limits and a shorter waiting period.
NFIP typically has a 30-day waiting period. Private flood often has no wait or a shorter one, important when a storm is forecast.
Most policies distinguish flooding from outside vs. inside-the-home water issues, we walk you through what each form covers.
Ready for a Flood quote?
Fill the short intake form and we’ll shop across multiple carriers, or call us and we’ll get you a quote on the phone.