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Flood
Insurance

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Flood insurance will cover your property up to $250,000, You will need a separate flood policy to cover your personal belongings, which can cover up to $100,000.

Most flood insurance policies have a waiting period of 30 Days before you start, so you can't wait until the storm is close to get coverage.

Flood insurance covers damages such as:

• Overflow of inland or tidal waters (such as storm surges)
• Runoff or accumulation of surface water (such as flash floods)
• Mudflow (such as mud flowing on the surface of land that is normally kept dry)

Flood insurance does not cover damages such as:

• Broken pipes
• Plumbing system overflows
• Rain entering your home through a wall, window, or roof.

Homeowners can protect themselves from these financial losses by taking out a flood insurance policy through the NFIPFlood insurance coverage is available regardless of federal disaster declarations. Tenant content insurance is also available. There is a 30-day waiting period before new policies take effect, so don't wait too long to get your policy.