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