Protect Your Home with Flood Insurance

Rising water can cause severe damage to your home and the belongings inside. If you live in an area susceptible to flooding, you’ll need flood insurance to protect your home and its contents.


Protect Your Home from Flood Damage


Homeowner’s insurance covers some costs associated with weather-related damage, but damages caused by floods are typically excluded from homeowner’s policies. 

Flooding is defined as a general and temporary condition of partial or complete inundation of normally dry land at least 2 acres from: 

  • Overflow of inland or tidal waters 
  • Unusual and rapid accumulation of runoff of surface waters
  • Mudslides as a result of flooding

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The Dangers of Flooding and How Insurance Can Help


Flooding causes a lot of damage to homes and properties in Florida. It can lead to sewage, damaged electricity, damaged gas supply, and destruction of personal property. All of this can be heartbreaking and financially straining, which is why a flood insurance policy is so important.


Don’t assume that only deep flooding causes issues, either. Even just a few centimeters of flooding in your home or business premises can cause damage that will cost thousands of dollars to repair. On top of that, flooding is extremely common – especially in Florida.


Flood insurance is crucial for Florida homeowners because damages caused by floods are usually excluded from homeowner’s insurance policies.



What is Your Home’s Flood Risk? 

Flood risk refers to the probability that there will be flooding in your area. The higher the flood risk, the more likely you will experience flooding at some point. Locations near river channels or that often experience heavy rain are more likely to have properties with a higher risk of flooding. Looking at a flood map can help you discover a property’s flood risk. Keep in mind that flood risk can change over time, so ensure you keep up to date on where your property stands.

Do You Need Flood Insurance if You’re in a Low-risk Area? 

Even in low-risk areas, floods are a common occurrence, and when they occur, they cause very costly damage. You can never predict when a flood might happen, so being protected is always a good idea.

Is Homeowner's Insurance Enough? 

Most of the time, no. Flood damage is typically excluded from homeowner’s insurance policies. That’s why separate flood insurance is crucial.

What Flood Insurance Covers

Flood insurance policies have two types of coverage; building coverage and contents coverage. Each option covers different areas of the home. Policies can vary, so it’s important to learn what is included in a flood insurance policy for specific coverage details.