The Coverage Most Homeowners Don't Know They're Missing
Standard homeowners insurance doesn't cover flood damage. Even if you've never lived in a flood zone. Here's how flood insurance actually works.
FLOOD INSURANCE COVERAGE
Building Property Coverage
Covers the structure of your home, including the foundation, electrical and plumbing systems, as well as built-in appliances, against flood damage.
NFIP-Backed
Policies
Many flood policies are backed by the National Flood Insurance Program, with standard limits and a required waiting period before coverage takes effect.
Personal Property Coverage
Covers your belongings, furniture, electronics and clothing if they're damaged by flooding.
Coverage options and requirements vary by state and by property type. Our team can help review coverage, explain your options, identify potential gaps, explore available discounts, and assist with policy changes.