No, standard homeowners insurance policies do not cover flood damage. Flooding is considered a separate peril that requires dedicated flood insurance coverage. This is why many homeowners, especially those in flood-prone areas, need to purchase additional flood insurance through the National Flood Insurance Program (NFIP) or private flood insurance providers. Explore your flood insurance options to protect your home and belongings.
If you live in a flood zone or have concerns about water damage, it’s critical to add flood coverage to your homeowners insurance strategy. Our team can help you understand your flood risk and find the right policy at an affordable rate.
