Flood insurance for added protection
Standard policies don’t cover everything. Flood insurance helps protect your home and belongings from water damage caused by flooding.
Coverage for risks
not always included
Flooding can happen in more places than expected, and it’s not typically covered under standard home insurance policies. Flood insurance provides an extra layer of protection where it matters most.
What flood insurance can include
Flood insurance can help protect both your property and what’s inside it. Common coverage options include:
Building coverage
Protection for the structure of your home, including foundation, walls, and major systems
Contents coverage
Helps cover personal belongings such as furniture, electronics, and clothing
Essential systems coverage
Coverage for electrical, plumbing, and HVAC systems impacted by flooding
Appliance and equipment coverage
Helps repair or replace items like water heaters, washers, and dryers
Flood risk is more common than many realize
Flooding can result from heavy rain, storms, or rising water levels. Without the right coverage, these events can lead to significant out-of-pocket costs.
Flood insurance helps you stay prepared and recover more quickly if it happens.
A simple way to add the right protection
We help you understand your exposure and find the right level of coverage without overcomplicating the process
Understand your risk
We look at your location, property, and potential exposure to flooding.
Review your options
We explain what flood insurance covers and how it works.
Choose with confidence
You move forward knowing you have the protection you need.
Works alongside your home insurance
Flood insurance is designed to complement your existing home policy, not replace it. Together, they help provide more complete protection for your property.
Home & Flood Bundle
Two coverages. One simple plan.
Support when it matters most
If you have questions or need help reviewing your coverage, our team is here to guide you. You’ll always have someone to talk to who can help you make informed decisions.
Talk to real person
Get clear answers when you need them
Easy policy changes
Update your coverage anytime
Ongoing support
We’re here whenever you need us
Frequently asked questions about flood insurance
- Does homeowners insurance cover flooding?
Standard homeowners insurance policies typically do not cover flood damage. Separate flood insurance is often needed for that type of protection.
- Is flood insurance required?
Flood insurance may be required in certain high-risk areas, especially if your property is financed through a federally backed mortgage.
- Who should consider flood insurance?
Flooding can happen in many areas, not just designated flood zones. Property owners who want additional protection from water-related damage may want to explore flood coverage.
- What does flood insurance typically cover?
Flood insurance may help cover damage to your home’s structure, essential systems, and certain personal belongings depending on the policy.
- Is flood insurance only for high-risk areas?
No. Flooding can occur outside high-risk zones, and many flood claims come from areas considered lower risk.
- How are flood insurance rates determined?
Rates can be influenced by factors such as property location, flood zone, elevation, building characteristics, and coverage selections.
Let’s make sure you’re fully covered
Whether you’re in a high-risk area or just want added protection, we’re here to help you explore your options.