Flood Coverage for Flash Flood Protection
Home Insurance Add-On
- Protection for your home, belongings and other structures on your property*
- Temporary coverage up to your policy limits for the items you move to another location due to flash flooding**
- Helps pay for your temporary living expenses and debris removal
What is flash flood coverage?
How Flash Flood Coverage Protects You
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Damage to Your Home
Damage to Your Property's Other Structures
Damage to Your Personal Property
Storing Personal Property
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*Coverage provided by adding the Inland Flood optional endorsement. This endorsement does not satisfy mandatory flood insurance coverage should it be required by your federally regulated lender for your home mortgage or loan. This insurance product is not affiliated with the National Flood Insurance Program (NFIP). Please check with your agent and read the policy and endorsements for exact details on coverage limits and exclusions. Coverage applies after the property deductible has been met.
**Coverage lasts up to 30 days for the removal of your personal property from your home to be brought to safety. Your personal property must be moved to a fully enclosed structure or otherwise reasonably protected from the elements. This coverage also helps pay your reasonable expenses incurred to transfer your property to safety.
***The information on this webpage represents only a brief description of coverages and is not part of your policy. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.
† Inland Flood coverage limits for renters and condo policies are $10,000 and $25,000. The Inland Flood coverage limits for homeowners insurance are $25,000, $50,000 and $100,000.
‡Severe Weather 101 – Floods, NOAA National Severe Storms Laboratory, (last visited May 29, 2023), https://www.nssl.noaa.gov/education/svrwx101/floods/, [https://perma.cc/XJ3V-YYL4]
§ Just 1 Inch of Water, FEMA, (last visited May 29, 2023), https://fema.gov/sites/default/files/2020-05/8.5x11_1_inch_flyer.pdf
#Fact Sheet: Myths and Facts About Flood Insurance, FEMA, (last visited May 29, 2023), https://www.fema.gov/press-release/20230425/fact-sheet-myths-and-facts-about-flood-insurance, [https://perma.cc/54Y9-G6AH]