Flood insurance

People often don't think about the value of a flood insurance policy until it's too late.

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The best time to think about flood insurance is before you actually need it. Everyone lives in either a high-risk or low-risk flood zone. Getting a flood insurance quote is the first step toward giving yourself peace of mind.

Floods damage more homes in the United States than any other natural disaster1

How flood insurance works

You may be surprised to learn that your property insurance doesn’t cover flood damage. That’s because flood insurance policies are generally purchased separately through government programs.

Most flood insurance coverage is offered by the National Flood Insurance Program.

What flood insurance covers2

Available to homeowners, condo owners, landlords, business owners and renters, flood insurance may cover:

  • Furniture, clothing and other belongings
  • Certain cleanup expenses
  • Damages to your heating and cooling system
  • Repair or replacement of flooring

[1] https://www.fema.gov/national-flood-insurance-program
[2] Subject to policy limits and exclusions.