Direct answer
No, standard homeowners insurance policies typically exclude damage caused by flooding, such as overflowing rivers or storm surges. You generally need a separate flood insurance policy through the National Flood Insurance Program or a private insurer to be protected against these events.
Standard homeowners insurance policy language exclusions as defined by the Insurance Services Office (ISO) forms. For additional information about policy exclusions, see the Insurance Information Institute’s guide on understanding homeowners insurance.
What this means for you
No, standard homeowners insurance policies typically exclude damage caused by flooding, such as overflowing rivers or storm surges. You generally need a separate flood insurance policy through the National Flood Insurance Program or a private insurer to be protected against these events.
ARMFOX HEALTHCARE
Protecting Your Future with Confidence
No pressure. No jargon. Just honest answers from advisors who genuinely care about your family’s protection.
This page is informational and not a coverage guarantee or quote.
One Response