Does my homeowners insurance policy provide coverage from flooding?

Insurance FAQ

A standard homeowners insurance policy does not cover flood damage that results from weather or most other causes.

It's important for homeowners to understand that a homeowners insurance policy does not cover damages caused by flooding.

For nearly all homeowners insurance policies, no flood damage - no matter the source or cause, is covered by a standard homeowners policy. In order to protect your home - and yourself financially, from flood-related damages you will need a Flood policy.


Homeowners should consider acquiring flood insurance to supplement their homeowners' policy if there is any concern over flood risk. Additionally, it is a good idea for renters to take it into consideration, as well.

A standard homeowners insurance policy does not cover flood damage that results from weather or most other causes.

It's important for homeowners to understand that a homeowners insurance policy does not cover damages caused by flooding.

For nearly all homeowners insurance policies, no flood damage - no matter the source or cause, is covered by a standard homeowners policy. In order to protect your home - and yourself financially, from flood-related damages you will need a Flood policy.


Homeowners should consider acquiring flood insurance to supplement their homeowners' policy if there is any concern over flood risk. Additionally, it is a good idea for renters to take it into consideration, as well.

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