Homeowners Insurance Homeowners
People who own the home they live in · Owners of a second or vacation home
Coverage for primary homes, secondary homes, seasonal homes, condos, and rental properties.
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Personal Lines
Flood Insurance Flood
Protection against flood-related damage.
If water comes from overflowing rain, a river, storm surge, or the ground, a normal homeowners or renters policy usually will not pay. Flood insurance is a separate policy for that specific risk.
How it works
Flood is one of the most common — and most misunderstood — gaps in personal insurance. A standard home policy is built for fire, wind, and theft, not for water that rises from outside. Flood coverage can be written for the building, the contents, or both. It matters in mapped high-risk zones, where a mortgage lender often requires it, and it also matters outside those zones. A large share of flood claims happen in areas that were never labeled “high risk.” We help you look at the address, the elevation story, and whether you need building coverage, contents coverage, or both — including for second homes and rentals.
Who this is for
- Homeowners in or near flood zones
- Buyers whose lender requires flood coverage to close
- Owners outside a mapped zone who still have drainage or surge risk
- Renters who want contents coverage for flood
What it typically covers
- Building damage from covered flooding
- Belongings, if you buy contents coverage
- Certain cleanup and repair costs described in the policy
- Homes and many other residential buildings in participating communities
A simple example
A slow-moving storm drops a foot of rain. Water comes in through the garage and ruins flooring, appliances, and boxed belongings. Without a flood policy, the homeowners claim for that water is often denied.
Good to know
- There is typically a waiting period before a new flood policy takes effect, so do not wait for the storm forecast.
- This is not the same as a sewer-backup endorsement, which is a different kind of water claim.
Coverage, eligibility, and terms vary by location and underwriting.
Guides
Read this before you quote or apply.
Guide
What to review before a homeowners insurance renewal
Rebuild cost, roof, water, deductibles, and the flood gap that a standard HO-3 never fills.
Read guide