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Does my homeowners insurance cover flood damage?


A standard home insurance policy does not cover flood damage, although this is one of the most common misconceptions made by policyholders. In order to be covered for flood damage you must have a separate flood insurance policy available from the National Flood Insurance Program. A flood insurance policy will protect your home and your home's contents in the event of rising flood waters. Without a flood insurance policy, homeowners are left to cover their flood damage costs on their own.

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About this content: The content included on this webpage in no way guarantees coverage for any type of insurance policy or policyholder. This is to be used as a general guide for insurance information and any specific coverage questions should be presented to your insurance agent.