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Water

Flood Insurance

Flood insurance goes beyond the coverage of a standard homeowners insurance policy and protects you from more severe types of water damage, like heavy rain, melting snow, and severe coastal storms. Most homeowners policies do not cover rising water.

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Flood Insurance Coverages

NFIP (National Flood Insurance Program)

National Flood Insurance Program policies are backed by the federal government, coverage damages not covered by homeowners and the rates are generally tailored to a specific area.

Private Flood Insurance

Private flood insurance are policies that are not backed by the federal government. NFIP policies are subject to set limits and you can only increase coverage so high. With private flood policies you can generally insure your home and belonging at replacement cost.