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The Basics
Floods, mudslides and sewer backups are generally not covered by your homeowners policy. Those who live in flood zones are encouraged — and often required — to protect their homes with a flood policy. However, one in four floods occur outside of high-risk areas, so it is worth considering flood coverage even if you live outside the flood plain.
Building & personal property
Your home, garage and belongings are protected from floods and flood-related damages.
Putting things right
Flood insurance can help with debris removal, replacing drywall, appliances and more. Please be aware that coverage is limited for basements. Talk to your agent for details.
Displacement
Temporary living costs, like food and hotels, are covered while your home is being rebuilt.
Building code upgrades
Older homes may need to be rebuilt to code. The additional cost of these upgrades may be covered.
You could save up to 20% on your insurance by bundling
Save with a multi-policy discount when combining auto, home, renters and condo insurance.