Coverage to Help Build a Comprehensive Insurance Program
To protect your home from flood damage, you’ll likely need an additional policy — standard homeowners and renters insurance does not typically cover flood damage. Flood insurance includes:
Dwelling Coverage
Dwelling coverage includes things like the structure itself, as well as plumbing, electrical, HVAC, kitchen appliances and built-in furniture.
Personal Property
This covers the cash value of other items damaged during flooding, like clothing, electronics, and home décor.
A 30-day waiting period is required on most flood insurance applications. No waiting period applies if closing on a new loan for property.