Flood Insurance

Standard homeowners insurance does not cover flood damage. If your home is affected by flooding, you’d be responsible for repairs and replacing damaged belongings. Flood insurance provides essential coverage, ensuring that you won’t face significant financial losses due to water damage from storms, heavy rains, or rising waters.

Flood insurance typically covers damage to your home’s structure, including the foundation, electrical and plumbing systems, HVAC units, and appliances. It also covers personal belongings such as furniture, electronics, and clothing. However, policies may have limitations on basement coverage, detached structures, and landscaping. Reviewing policy details is crucial.

If your home is in a high-risk flood zone, your mortgage lender may require flood insurance. Even if it’s not mandatory, having coverage is a smart investment since floods can occur anywhere. Nearly 25% of flood claims come from properties outside high-risk areas, making flood insurance valuable for many homeowners.

Flood insurance isn’t included in standard policies, so you need to purchase it separately. You can get coverage through the NFIP or private insurance providers. Our team can help assess your flood risk, compare policy options, and ensure you have the right protection for your home and belongings.