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What Does Flood Insurance Cover?

Many homeowners are unaware that their home insurance doesn't cover flood damage. Flood insurance is one of the best ways you can protect yourself from flood losses. Contents coverage can include possessions such as furniture, clothing and other valuables, subject to policy limits and exclusions. Flood insurance covers certain cleanup expenses. It also covers damages to your heating and cooling system and repair or replacement of flooring, according to the policy. You can purchase building and contents coverage through the National Flood Insurance Program.

What is flood insurance?

Here are a few facts about floods and flood insurance:

What to do if your home floods

Read more about what to do after a flood at FloodSmart.gov.

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