Flood Insurance
Home and renters policies don't cover flood, and floods are the most common natural disaster in the US. We compare the National Flood Insurance Program with private flood companies, explain your flood zone and what drives your price, and line it up with your home policy so you know where each one stops. Text us your address and we'll show you your options.
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What It Covers
What Flood Coverage Includes
Exact coverage depends on the policy and the insurance company. We walk you through yours before you buy.
- Your home's structure and foundation
- Major systems like electrical, plumbing and HVAC
- Your belongings, if you add contents coverage
- Options through the National Flood Insurance Program and private insurers
Good to Know
Before You Buy
Flood is its own policy with its own rules and timing. We go through each one with you before you buy.
- Outside flood zones. FEMA says nearly one third of flood insurance claims come from outside high-risk flood areas.
- Cost of damage. According to FEMA, just one inch of floodwater can cause roughly $25,000 in damage to a home.
- Waiting period. NFIP policies generally have a 30-day waiting period before coverage starts. Buying well before storm season matters.
- Limits. NFIP coverage tops out at $250,000 for a home and $100,000 for belongings. Private flood can offer higher limits.
- Basements. Coverage below ground level is limited on most flood policies. Finished basements and what's in them are often not fully covered.
- Lender requirements. Lenders usually require flood insurance on homes in high-risk flood areas. Many owners outside those areas choose it anyway.
Pair It With
Gaps to Check With Flood
Flood is one piece of protecting your home. We check these when we quote, and most take only a few more answers.
Flood and Home Need to Line Up
Flood covers what home leaves out, but limits and deductibles differ. We line them up so you know where each one stops.
Renters and Condo Owners Need Flood Too
The building's flood policy doesn't cover your belongings or the improvements inside your unit.
Flood Damage to Your Car Is an Auto Claim
Flood insurance doesn't cover vehicles. Comprehensive on your auto policy does, if you carry it.
A Lawsuit Can Be Bigger Than Your Limits
A serious accident or a guest hurt at your home can lead to a claim above your limits. An umbrella adds protection on top of your home and auto.
Your Home Policy Won't Pay the Mortgage
If something happened to you, life insurance sized to your mortgage helps your family keep the house.
Business Property Needs Its Own Flood Policy
A business building and its contents need commercial flood coverage, separate from your home.
More Personal Insurance
Other Personal Options
Let's Compare Your Options.
Final approval and pricing are set by the insurance company.