Auto Insurance
Liability, collision and comprehensive cover for the cars on your driveway.
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Flood Insurance
The peril every homeowners policy in the country excludes.
What this cover does
Flood is excluded from standard homeowners, renters and condo policies without exception. Cover comes through the National Flood Insurance Program or through private flood carriers, and there is normally a 30-day waiting period — which means buying it during a storm warning does not work.
Typically included
- Building property — structure, foundation, electrical and plumbing
- Personal property and contents, written separately
- Debris removal after a flood event
- Detached garages, subject to the form
Common add-ons
- Private flood cover with higher limits than the federal programme
- Excess flood above the programme maximum
- Basement and below-grade contents where available
- Loss-of-use cover, which the federal programme does not include
Questions
What people ask about flood
I am not in a flood zone. Do I need it?
Every property is in a flood zone; the question is which one. A substantial share of claims come from moderate and low-risk zones, where cover is also at its cheapest.
How long until cover starts?
The federal programme generally imposes a 30-day wait from purchase. Private flood policies sometimes start sooner. Either way it cannot be arranged once a storm is forecast.
Often taken together
Related cover
Homeowners Insurance
Structure, contents, liability and the cost of living elsewhere while repairs happen.
Read more →
Quote Flood Insurance
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.