FLOOD INSURANCE. A CLOSER LOOK.
Know where flood
fits in your coverage.
Most homeowners policies do not cover flood damage. We’ll help you explore flood insurance options for your property and the belongings inside.
YOUR PROPERTY. YOUR QUESTIONS.
A LOCAL TEAM TO HELP.
TWO IMPORTANT PARTS OF THE CONVERSATION
The building.
The things inside.
NFIP building and contents coverage are purchased separately, with separate deductibles. Ask how each option works for your property.
Building coverage
Addresses covered flood damage to the structure and eligible building components. Ask which systems and fixtures are included and what limitations apply.
Contents coverage
Addresses eligible personal belongings after a covered flood. Review how items are valued, special limits, and what you would pay out of pocket.
Coverage depends on the policy’s definition of flood, terms, exclusions, and eligibility. Learn more about NFIP building and contents coverage.
QUESTIONS WORTH ASKING
Get the details before you decide.
What if my property isn’t in a high-risk zone?
Flooding can happen outside mapped high-risk areas. A lender’s requirements and your own protection goals are different questions—talk with us about the property and the options available.
Do I need an elevation certificate?
An elevation certificate is not required to purchase NFIP coverage, but it can provide useful property information and may identify discounts. Local floodplain requirements are separate. Ask what is useful or needed for your property and insurer.
Which limitations should I look for?
Ask about basements, belongings, living expenses, and other exclusions or special limits. Flood insurance does not automatically cover every type of water damage or every cost after a flood.
LET’S MAKE THE NEXT STEP EASIER
Bring the property details.
Tell us whether you own or rent, how the property is used, and whether you need building coverage, contents coverage, or both. We’ll help you explore your next step.
Helpful information to have ready
- Property address and construction details
- Any current flood insurance policy
- Your lender’s insurance requirements
- An elevation certificate, if you have one
- Your intended coverage start date
LET’S GET YOUR FLOOD QUOTE STARTED
Tell us what you want to protect.
Select Other in the form below and tell us you’re requesting flood insurance. Include the property address and any timing or lender requirements.
Submitting this form does not bind coverage or make a policy change. Coverage availability and effective dates must be confirmed. Read our Privacy Policy.