How flood insurance works
You may be surprised to learn that your property insurance doesn't cover flood damage. That's because flood insurance policies are generally purchased separately through government programs.
Most flood insurance coverage is offered by the National Flood Insurance Program.
What flood insurance covers2
Available to homeowners, condo owners, landlords, business owners and renters, flood insurance may cover:
- Furniture, clothing and other belongings
- Certain cleanup expenses
- Damages to your heating and cooling system
- Repair or replacement of flooring