Flood INSURANCE
Water does not stop at a flood-zone line.
Know where your home policy ends — before the water rises.
WHO IT’S FOR
Built around your life.
Homeowners, condo owners, renters and landlords concerned about rising-water flood damage.
What it typically covers
- Eligible building damage caused by a covered flood
- Certain electrical, plumbing and heating systems
- Contents protection when purchased and eligible
- Eligible cleanup related to covered flood damage
Coverage depends on the carrier, selected options, limits, deductibles and policy terms. We’ll walk through the details with you.
THE DETAILS MATTER
Common gaps people miss.
01 / WORTH A CONVERSATION
Standard home policies usually exclude rising-water flooding.
02 / WORTH A CONVERSATION
Basement property and finished areas have significant limitations.
03 / WORTH A CONVERSATION
Waiting periods can apply before new coverage starts.
STRAIGHT ANSWERS
A few things you might be wondering.
Do I need to be in a high-risk zone?
No. Flood risk exists outside mapped high-risk areas, too. We can review available options.
Can I buy it before a storm?
Many policies have waiting periods, so planning ahead matters. Exceptions vary by program and circumstance.
Is water backup the same as flood?
No. Sewer or drain backup and rising-water floods are different exposures and may need different coverage.
Let’s talk flood.
Tell us what matters. We’ll help you find the right fit.