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Frequently Asked Questions

I don’t have flood insurance, but doesn’t my homeowners insurance cover this?

Most homeowners insurance does NOT cover damage or losses from flooding. Some damage to your property may have been caused by something other than flooding. Look at your policy and see your homeowners insurance agent for more information about what types of damage are covered by your policy.

Back to Frequently Asked Questions: Hurricane Preparations

PRIMARY RESIDENCE DISCLAIMER


For flood insurance rating purposes, a primary residence is a building that will be lived in by the insured or the insured's spouse for at least 80 percent of the 365 days following the policy effective date. If the building will be lived in for less than 80 percent of the policy year, it is considered to be a non-primary residence.

How Can I get Covered?

  • Rate your risk
  • Estimate your premiums
  • Find an agent
 

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Last Updated: Sunday, 13-Apr-2014, 4:35 PM (EDT)

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