Home Flood Insurance

Everyone is at risk of flooding

By choosing to purchase home flood insurance, you can't lose. In fact, floods are often caused by storms, melting snow, hurricanes, and water backup due to inadequate or overloaded drainage systems, dam or levee failure. And most homeowners insurance doesn't cover costly flood damage.

What is Home Flood Insurance?

Flood insurance covers losses to your property caused by flooding. From structural and mechanical damage to flood debris cleanup and floor surfaces (like tile and carpeting), your investment is protected by a flood insurance policy, something that your homeowners’ policy does not offer.

In addition, you can purchase separate coverage that insures most of your personal property and belongings up to a specified limit, including:

  • Clothing
  • Furniture, housewares, bedding
  • Decorative items, lamps and lighting fixtures
  • Books, home electronics, computers
  • Area rugs and draperies
  • Clothes washers and dryers
  • Air conditioners
  • Food freezers and the food in them
  • Portable microwave ovens

Why Do I Need Home Flood Insurance?

Having flood insurance gives you many benefits. Not only is coverage there when you need it, but it also:

  • Compensates for all covered losses
  • Compensates for flood damages even if federal disaster aid is unavailable
  • Pays for your covered losses, unlike interest-bearing loans through federal disaster assistance
  • Comes in low-cost policies for those who qualify
  • Guarantees compensation for flood damages because the Federal government backs NFIP flood insurance
  • Helps you move on – if your property is damaged by flood, your agent is there to help you handle your claim (note: most claims are paid within 30 to 60 days)

The National Flood Insurance Program (NFIP) is your primary source for flood insurance in the U.S. If your community participates in the NFIP, you can purchase flood insurance from a licensed private insurance company or independent property and casualty insurance agent in your state.

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