A standard flood insurance policy covers your home and contents when damage is caused by rising water. We help waterproof your assets by offering expanded, optional coverage that gives your family protection where other insurers may literally leave you “underwater.”
Building, which is the insurance on the primary home/building on the insured property.
Personal Contents, which is the insurance that protects the possessions inside of your home.
The coverage offered in a Flood Insurance policy may sound like the coverage you already have in your Homeowner’s policy, but that’s not the case. It’s different than your Homeowner’s insurance because a typical Homeowner’s policy specifically excludes water damage that results from rising water. For the purpose of insurance, “Rising” is the key word to distinguish flood damage from water damage.