Protect your place from rising water
Heavy rain, storm surge, or river overflow — it doesn’t take much to cause costly damage. Get a fast flood insurance quote and keep your home (or rental) financially protected, whether you’re in a high‑risk zone or not.
At a glance
- Building coverage — structure, foundation, electrical & plumbing, HVAC, built‑in appliances
- Contents coverage — furniture, electronics, clothing, and more (limits & sublimits may apply)
- Flexible deductibles & limits — choose options that fit your budget and lender requirements
- Basement/ground‑level limits — restrictions often apply; we’ll help you understand them
Coverage, limits, and waiting periods vary by program and state. Final terms per your issued policy.
What flood insurance can cover
Building (Dwelling)
Repair or replacement for the home’s structure and fixtures after covered flood damage.
Contents (Personal Property)
Covered belongings like furniture and clothing — policy limits and sublimits apply.
Other costs
Pump‑outs, debris removal, and certain prevention measures may be included or available; see policy.
Loan compliance
Meets typical lender requirements for homes in designated flood zones when limits/deductibles are set appropriately.
Note: Some policies exclude Additional Living Expenses/temporary housing. Basement items are often limited to essential equipment.
Get an online quote
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Flood Insurance — FAQs
Do I need flood insurance if I’m not in a high‑risk zone?
Floods can happen anywhere it rains. Many claims occur outside high‑risk areas. If you want protection for rising water from outside your home, flood insurance is the policy designed for that risk.
Is there a waiting period?
Many programs include a waiting period before coverage starts (for example, NFIP policies often have a 30‑day wait). Some private options may offer shorter waits or loan‑closing exceptions. Your quote will show details.
What’s the difference between building and contents coverage?
Building covers the structure and systems; contents covers personal belongings. You can select one or both, depending on your needs and lender requirements.
Are basements covered?
Coverage for basements and ground‑level areas is often limited to essential equipment (e.g., furnace, water heater). Stored personal property may have limited or no coverage—review your policy specifics.
Will this satisfy my mortgage lender?
Policies can be issued to meet common lender requirements when you select the necessary limits and deductibles. Provide your lender’s requirements during quoting and we can help tailor the policy.
Coverage and availability vary by carrier and state. This page is for general information only and does not modify policy terms. Final coverage is determined by the issued policy and endorsements.