Flood Insurance
Standard home and renters policies usually exclude flood. Flood insurance helps protect your home and belongings from rising water.
How this coverage works
How flood coverage works
Flood coverage is usually written separately from a homeowners policy, through the National Flood Insurance Program or a private insurance company.
Most flood policies have a waiting period before coverage starts, so planning ahead matters.
Details to review
- Building coverage
- Contents coverage
- Available in and outside high-risk zones
What the coverage includes
Coverage names, terms, and availability vary by insurance carrier and state. These descriptions are educational and are not a policy contract.
Who this is generally written for
Eligibility is set by each insurance carrier and can differ by state. Nothing here is a guarantee of eligibility or coverage.
Commonly a good fit
- Homeowners, renters, and condo owners in any flood zone
Worth a conversation first
- Properties with prior flood losses
- Homes with basements
Availability varies by state
State regulation notice
Frequently asked questions
Coverage that often comes up next
Related coverage worth reviewing at the same time. Nothing is added without your direction.
- Homeowners InsuranceCoverage for your home, belongings, and personal liability.Learn more
- Personal Umbrella InsuranceAdditional liability limits above eligible underlying policies.Learn more
Household coverage review
Review how your property, vehicles, and personal liability fit together. Eligibility and multi-policy options vary by insurance carrier and state.
- Property and belongings
- Vehicles and watercraft
- Personal liability
- Valuables and CollectionsReview individual protection for jewelry, art, and collections.Learn more
Ready to compare your options?
Start online in a few minutes or speak with a licensed insurance professional. There is no obligation, and quoting does not bind coverage.
Insurance coverage is not bound or effective unless and until it has been confirmed in writing by TruvaLink Insurance Agency or an authorized representative of the applicable insurance carrier. Submission of a quote request, application, payment, or other information does not guarantee coverage or constitute proof of insurance.