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flood coverages

Flood Insurance Built For You

You’ve carefully created that special place called home, filled with all the creature comforts reflecting who you are and what you love. That’s why it’s smart to protect it against floods, which can happen anytime, anywhere — even if you don’t live in a flood zone.

But here’s a surprising fact: Did you know that most homeowners, renters or condo insurance policies don’t provide protection from flood damage?

Not to worry.

American Family conveniently offers flood insurance from the National Flood Insurance Program.  And usually it’s surprisingly affordable – a drop in the bucket compared to how much flood damage could cost. Get started by contacting your American Family agent today.

Why Flood Insurance Matters

From the rooftop to the basement and almost everything in between, The National Flood Insurance Program offers the flood damage protection you need for your home and possessions.

  • Your home and its foundation
  • Clothes, furniture, electronics and other possessions
  • Your special treasures, like artwork or jewelry (up to $2,500)
  • Electrical and plumbing
  • Heating, venting and air conditioning
  • Appliances
  • Installed carpeting, paneling, bookcases and cabinets
  • Window blinds and curtains

Got Questions? We've Got Answers.

  1. First of all, that’s great that you’ve already got insurance! But, keep in mind that most homeowners, renters and condo insurance policies don’t cover flood damage. Another thing to remember is that virtually all areas can be affected by flooding. So, you might want to consider flood insurance. And your American Family agent is the perfect person to help!
  2. You might be surprised to learn that one fourth of all flood claims occur in low- to moderate-risk areas, according to the National Flood Insurance Program. Flooding can happen almost anywhere, even if there are no lakes, rivers or oceans nearby. It’s a good idea to talk to your American Family agent to help you decide whether to get flood insurance.

  3. According to the Federal Emergency Management Agency, the average flood insurance policy costs $700 a year. To put that in perspective, the average flood insurance claim costs $39,000. The specific cost will depend on where you live, your property and other factors, so talk to your agent for details.
  4. Not necessarily.  For starters, the federal government would have to declare a disaster in the area where your property is located. Next, you would need to apply for assistance. As a rule of thumb, disaster assistance payments typically are small amounts and usually don’t cover all of the damage.

Have more questions? Your American Family Insurance agent is ready to help.