Homeowners policies do not cover damage to your dwelling or property as a result of flood. To protect yourself from losses caused by flooding, you will need to purchase a separate flood insurance policy. Our Flood Insurance policies are backed by the National Flood Insurance Program (NFIP). NFIP is administered by FEMA – the Federal Emergency Management Agency.
If your home is in a special flood hazard area (not zones B,C or X), your mortgage lender will require you to carry flood insurance.
Note: There is a 30-day waiting period on most flood policies.