Flooding
Enjoy reading about homeowners insurance.
Compare home insurance quotes
Use our free comparison tool to compare rates from the best providers in your area
Explore home insurance articles
Inland Flood Insurance Coverage
Inland flood insurance coverage is a type of protection that covers damage caused by surface water originating from rain, snow, overflowing rivers, lakes, and other bodies of water.
18 FEMA Flood Zones for Flood Insurance Requirements
There are 18 different flood zone designations determined by FEMA. If your home is located in one of the high risk areas, your mortgage provider may require you to get additional flood insurance coverage.
Flood Insurance Requirements for Lenders
Flood insurance coverage may be required by your mortgage provider if the home you are buying is located in a high-risk flood area. Find out how much coverage is typically required.
Does Flood Insurance Cover Broken Pipes?
Flood insurance is an optional insurance policy for homeowners insurance that protects you against floods in the home. Storms and burst pipes are common perils that lead to flooding on all levels of the home. This guide will look at the different coverage options you have in a burst pipe scenario. We’ll also look at ... Read more
Does Flood Insurance Cover Contents?
Flood insurance can be purchased as an endorsement on a homeowners insurance policy as it’s not automatically included. This includes coverage for structural damage and personal property caused by floods. FEMA spearheads the National Flood Insurance Program (NFIP) that provides flood insurance coverage to all homeowners in the United States. This is the largest insurance ... Read more
Lender-Required Flood Insurance
Flooding can cause extensive damage to your home, so if you are purchasing a home in an area with a high risk of flood-related damage, your mortgage lender may require you to have a flood insurance policy before you can close on your new house. Why Your Lender May Require Flood Insurance When buying a ... Read more
Excess Flood Insurance
If you’re considering homeownership or renting in an area where flooding is a common concern, you might have heard a lot about excess flood insurance and want to know if it’s something that you need for your home. There are certain areas of the United States that are particularly susceptible to home damage due to ... Read more
How to Get a Flood Elevation Certificate
Depending on where you live, flood insurance could be mandatory. In order for your insurance provider to calculate your home’s amount of flood risk, you might be required to get an elevation certificate. But what is an elevation certificate? An elevation certificate is a verification of how at risk your home is for flooding. The ... Read more
Does Homeowners Insurance Cover Basement Flooding?
Water damage can happen in homes, and especially basements, for a multitude of reasons. Because there are so many possible scenarios, it can be confusing to figure out which ones homeowners insurance will cover. Be sure to know what your current homeowners policy covers and if there are any precautions or policy add-ons that you ... Read more
Deciding On A Flood Insurance Deductible
You’ve purchased flood insurance and properly protected your home and your assets in the event of a flood. Now, if a flood comes along and destroys your belongings and your property, your insurance will cover the complete costs of repairs, right? Not entirely – it all depends on how much you’ve put down for your ... Read more
How Much Flood Insurance Do I Need?
Homeowners insurance protects your home and you from most risks that could damage your home and leave you financially strained. Under your homeowners policy you are protected from fire, debris, electrical malfunctions, and much more. You’re not covered, however, for external flooding. How do you protect yourself from flood and water damage? You’ll need to ... Read more
Flood Insurance Deductible Explained
Water damage is generally covered by your standard homeowners insurance policy. Burst pipes, water seepage from roof damage, or when your roof is totally blown out in the event of a hurricane, you can have a bit of relief knowing that your insurer will be there to the rescue. But while water damage can be ... Read more
