Flood insurance is a separate policy and covers specific risks for customers covered by flood insurance. Vulnerability to hurricanes and the resulting flooding makes flood insurance a vital consideration for homeowners.
What does flood insurance cover?
Flood insurance provides coverage for both the structure of the home and personal property in case of damage. This includes Appliances, Carpet and flooring, Cabinets, Electrical and plumbing systems, Heating and air systems, Furniture, and Electronics.
What is not covered?
Damage caused by earth moving, Damage from sewer backups not caused by flooding, Vehicles, Swimming pools, Additional living expenses
Why do I need flood insurance?
Flooding ranks among the most expensive natural disasters in the U.S., and it can strike virtually anywhere. Whether you own a home or rent, it’s smart to think ahead. Insurance options exist that may protect your home structure, your personal belongings, or both.
When should I buy flood insurance?
Don’t wait until flood danger is imminent — purchase flood insurance early. Most policies require a 30‑day waiting period before coverage begins, though there are exceptions (for example, when buying a home with a closing in less than 30 days).