Personal & Family
Personal Flood Insurance
Residential flood coverage for at-risk and just-to-be-safe areas.
Overview
What to know about flood coverage.
Standard homeowners policies exclude flood damage. Flood insurance, through the National Flood Insurance Program or private markets, fills that gap. Most claims come from homes outside high-risk zones, so the decision isn’t just about your FEMA map.
What's typically covered
- Direct physical damage to your dwelling from flooding
- Foundation, electrical, plumbing, HVAC, and appliances
- Personal property on a separate coverage layer
- Debris removal after a flood
Things to consider
- A 30-day waiting period usually applies, so buy ahead of storm season rather than during it
- Mortgages in high-risk zones often require it
- Private flood can offer higher limits and replacement-cost on contents vs. NFIP
Ready to talk about flood?
Tell us what you're protecting and we'll shop it across carriers. No obligation, no hard sell.
