Coverage Types
Flood Insurance
Separate insurance coverage that protects against flood damage, which is excluded from standard homeowners policies.
Flood insurance covers damage from rising water, surface water overflow, and mudflows. Standard homeowners policies exclude flood, making separate flood coverage essential for properties in flood-prone areas. Coverage is available through the National Flood Insurance Program (NFIP) or private insurers. Most NFIP policies have a 30-day waiting period before coverage begins, so purchasing early is important.
Related Terms
NFIP
The National Flood Insurance Program - a federal program providing flood insurance to property owners, renters, and businesses.
High-Risk Property
Properties that insurance companies consider more likely to experience losses due to location, condition, or other risk factors.
Dwelling Coverage
Insurance coverage that protects the physical structure of your home, including attached structures.
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