Many homeowners are surprised to learn that standard homeowners insurance policies generally do not cover flood damage.
Flooding can happen in many areas and can cause significant damage to homes, belongings, and personal property. Flood insurance is designed to provide protection specifically for flood-related losses.
Helps provide protection for certain flood-related damage to your property, subject to policy terms.
May provide coverage options for personal property affected by flooding.
Helps reduce the financial burden that can result from unexpected flood damage.
Flooding can occur from many causes, including heavy rainfall, storms, drainage issues, and rising water levels.
Even properties outside traditional high-risk flood areas may experience flood damage. Understanding your risk is an important part of protecting your property.
Flood insurance is designed specifically to help protect against losses caused by flooding. Understanding the types of protection available can help you make informed decisions.
Helps protect the physical structure of a covered property from certain flood-related damage.
Helps protect certain personal belongings affected by covered flood damage.
Available coverage depends on the policy selected and the specific needs of the property owner.
Homeowners may want protection beyond what standard homeowners insurance provides.
Renters may want coverage for personal belongings that could be damaged by flooding.
Businesses may need protection for property, equipment, and operations affected by flood losses.
Standard homeowners insurance policies generally do not cover flood damage. Separate flood insurance may be needed for protection against flood-related losses.
Yes. Flooding can occur in many locations due to heavy rainfall, storms, drainage problems, and other conditions.
Renters may want flood coverage to help protect personal belongings since a landlord's insurance generally does not cover tenant possessions.
Planning ahead is important because flood insurance policies may have waiting periods before coverage becomes effective.
Understanding your property's flood risk is an important part of protecting your home, belongings, or business.
We can help you review your options and better understand the type of protection that may be appropriate for your situation.
Flood damage can be costly and disruptive. Having the right protection in place can help provide greater financial security.