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Personal Insurance

Flood Insurance, explained. 

Flood is excluded from homeowners, this is the policy that responds.

Home/Personal Insurance/Flood

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.

Inside a Flood policy.

Building (dwelling) coverage
Contents / personal property
Foundation, electrical, plumbing, HVAC
Built in appliances and cabinetry
Optional loss of use (private market)

Is this for you?

Homeowners near rivers, lakes, or coastline
Anyone in a FEMA designated flood zone (mortgage often requires it)
Homes in heavy rain regions or low ground
Anyone whose ground floor would suffer in a flood
Properties downhill from drainage

Plain language answers.

NFIP vs private flood?

NFIP is the federal program; private flood often has broader coverage, higher limits and a shorter waiting period.

How long until coverage starts?

NFIP typically has a 30 day waiting period. Private flood often has no wait or a shorter one, important when a storm is forecast.

Is groundwater seepage covered?

Most policies distinguish flooding from outside vs. inside the home water issues, we walk you through what each form covers.

Coverages that pair well with this one.

Ready for a Flood quote?

A short form or a quick call. We’ll shop it across 50+ carriers and come back with options.