What is Flood Insurance
Did you know that homeowners insurance does NOT cover flood damage? Many homeowners only realize this after experiencing costly losses. Flood insurance provides essential financial protection against damage caused by heavy rain, hurricanes, rising water, and other flooding events.
Why Do You Need Flood Insurance?
- Flooding is the most common natural disaster in the U.S.
- Just one inch of water can cause thousands of dollars in damage.
- Federal disaster aid is not guaranteed and is often a loan that must be repaid.
- Floods can happen anywhere, not just in high-risk zones.
What Does Flood Insurance Cover?
A standard flood insurance policy includes two types of coverage:
Building Coverage
Protects the structure of your home, including the foundation, walls, and electrical systems, as well as plumbing, HVAC, water heaters, built-in appliances, and flooring.
Contents Coverage
Protects personal belongings such as furniture and electronics, clothing and valuables, as well as washers, dryers, and other portable appliances.
Who Should Get Flood Insurance?
Flood insurance is not just for high-risk areas—over 25% of flood claims come from low-to-moderate-risk zones. Whether you’re required to have coverage or simply want peace of mind, flood insurance helps protect what matters most.
Affordable Protection for Your Home
Flood insurance policies are available through the National Flood Insurance Program (NFIP) and private insurers, with options tailored to your home’s needs.
Get a Quote Today!
Don’t wait for a flood to find out you’re not covered. Contact EverHome Insurance to learn more about your options and secure the right protection for your home.
