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Flood Coverage for Flash Flood Protection

Home Insurance Add-On

  • Protection for your home, belongings and other structures on your property*
  • Temporary coverage up to your policy limits for the items you move to another location due to flash flooding**
  • Helps pay for your temporary living expenses and debris removal
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What is flash flood coverage?

Flash flooding can occur when heavy rains or inland waters overflow onto dry land. Flash flood insurance is a home policy add-on that helps cover losses associated with inland flooding.*
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How Flash Flood Coverage Protects You

Our flood coverage delivers customizable flash flood protection.* With policy limits ranging from $10,000 to $100,000, you can get the insurance you need for greater peace of mind.† Learn more from the following examples.
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Did you know?

According to the National Severe Storms Laboratory, flooding occurs in every US state and territory.‡ Get the coverage you need by starting with a flash flood insurance quote.
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Damage to Your Home

Floodwaters seep into your home, covering the first level with one inch of water. Worse, your repair estimate is $25,000. Flash flood insurance coverage can help pay for damages up to your coverage limits.*
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Damage to Your Property's Other Structures

Heavy floodwaters carry large rocks and debris into the side of your new shed. While it's still standing, the damage is extensive. Flash flood coverage can help you repair or replace it.*
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Damage to Your Personal Property

A flash flood damages your prized possessions, and many are beyond repair. Flood coverage with flash flood protection can help you fix or replace them.*
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Storing Personal Property

A flash flood is heading toward your home. You quickly pack your valuables and move them to your off-site storage unit. Flash flood insurance can help protect those items up to your coverage limits for 30 days.*
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You Need a Place to Stay

An inland flood damaged your home, and you need to move out while repairs are made. Flash flood coverage can help you pay for temporary living expenses up to your policy's limits.*
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Debris Removal

Your property is covered in mud and debris from a flash flood. Inland flood coverage can help you pay to remove it up to your policy limits.*
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Frequently Asked Questions

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*Coverage provided by adding the Inland Flood optional endorsement. This endorsement does not satisfy mandatory flood insurance coverage should it be required by your federally regulated lender for your home mortgage or loan. This insurance product is not affiliated with the National Flood Insurance Program (NFIP). Please check with your agent and read the policy and endorsements for exact details on coverage limits and exclusions. Coverage applies after the property deductible has been met.

**Coverage lasts up to 30 days for the removal of your personal property from your home to be brought to safety. Your personal property must be moved to a fully enclosed structure or otherwise reasonably protected from the elements. This coverage also helps pay your reasonable expenses incurred to transfer your property to safety.

***The information on this webpage represents only a brief description of coverages and is not part of your policy. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.

† Inland Flood coverage limits for renters and condo policies are $10,000 and $25,000. The Inland Flood coverage limits for homeowners insurance are $25,000, $50,000 and $100,000.

‡ Severe Weather 101 – Floods, NOAA National Severe Storms Laboratory, (last visited May 29, 2023), https://www.nssl.noaa.gov/education/svrwx101/floods/, [https://perma.cc/XJ3V-YYL4]

§ Just 1 Inch of Water, FEMA, (last visited May 29, 2023), https://fema.gov/sites/default/files/2020-05/8.5x11_1_inch_flyer.pdf

# Fact Sheet: Myths and Facts About Flood Insurance, FEMA, (last visited May 29, 2023), https://www.fema.gov/press-release/20230425/fact-sheet-myths-and-facts-about-flood-insurance, [https://perma.cc/54Y9-G6AH]

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