Flood Insurance

Residential Property Coverage

A typical residential property policy DOES NOT cover damage caused by a flood. To protect your home from this type of damage, you will likely need a separate flood policy.

Most flood insurance policies come from the National Flood Insurance Program (NFIP). But, some private insurance companies also offer flood insurance. Ask your company or agent if they do. If your company does not sell flood coverage, call 1-800-427-4661 for help.

You can find a summary of NFIP’s coverage on the Federal Emergency Management Agency’s (FEMA) website. For additional info on NFIP, contact them at 888-FLOOD-29 or visit www.floodsmart.gov.

*⃣Flood policies typically have a 30-day waiting period before you have coverage.

average annual cost of a flood insurance policy

average cost of a flood insurance claim

Data from FEMA

Auto Coverage

Comprehensive coverage (also known as “other than collision”) typically pays for damage to your auto caused by events other than a collision, including flood. If you only purchased liability insurance, your personal auto policy will not pay for damage caused by events such as a flood.
*⃣Be sure to read all of your insurance policies to make sure you have the coverage you need.

More Terms to Know

Claim – a request made to an insurance company to pay for damage or injury.

Comprehensive coverage –also known as “other than collision,” pays for damage to your car caused by something other than a car wreck, such as theft, fire, flood, and hail.

Coverage – the damage or injuries an insurance company agrees to pay for under the policy.

Liability coverage – pays for other people’s injuries or damage to their property when it is your fault.

Policy – a contract between you and the insurance company. The policy tells you what’s covered and what the insurance company is required to pay.

More Terms to Know

Claim – a request made to an insurance company to pay for damage or injury.

Comprehensive coverage –also known as “other than collision,” pays for damage to your car caused by something other than a car wreck, such as theft, fire, flood, and hail.

Coverage – the damage or injuries an insurance company agrees to pay for under the policy.

Liability coverage – pays for other people’s injuries or damage to their property when it is your fault.

Policy – a contract between you and the insurance company. The policy tells you what’s covered and what the insurance company is required to pay.