Flooding is the United States? #1 natural hazard. While homeowner?s insurance won?t cover you against flooding, you can protect your home and property by purchasing a flood insurance policy separately through your local insurance agent.
Many people are under the impression that they are ineligible for flood insurance because of where they live, or their mortgage status. But the truth is, as long as your hometown is a National Flood Insurance Program (NFIP) community, most homeowners, business owners and renters can get flood insurance. We urge you to learn the flood insurance basics:
- You CAN get flood insurance nationwide.
- You CAN get flood insurance if you live in a floodplain or high-flood-risk area.
- You CAN get flood insurance if you live outside a floodplain, or a low-to-moderate flood-risk area ? and at lower cost.
- You CAN get flood insurance if your property has been flooded before.
- You CAN get flood insurance from insurance agents in?your area.
- You CAN get flood insurance even if your mortgage broker doesn?t require it.
As with any other type of insurance, it?s important to know what a flood insurance policy does and doesn?t cover. For example, damage caused by a sewer backup is only covered by flood insurance if it?s a direct result of flooding. The damage is not covered if the backup is caused by some other problem. For a complete summary of residential coverage, go to What?s Covered.
Having the proper information about your flood risk and protection options, will allow you to make better informed decisions to protect your home and personal belongings.
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