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Does homeowners insurance typically cover flood damage?

Yes, always
4%
In most cases
6%
In some cases
17%
No, never
71%
Question: Does homeowners insurance typically cover flood damage?
Top Answer (71% of 45 votes): No, never.

Answer: No, never
Explanation: FLOOD INSURANCE IS A SEPERATE POLICY PURCHASED TO PROTECT YOUR HOME IN THE EVENT OF A FLOOD. PRICES VARY DEPENDING ON THE ZONE OF THE FLOOD. YOU CAN LOCATE THAT ON FEMA.
Ligon Insurance and Financial Services, ICN
Answer: In some cases
Explanation: Only if you specifically have added it your policy as a 2nd policy. It is required in certain areas (think Coastal or near Rivers) and a good idea elsewhere. It is only good as it specifically relates to flooding. A separate coverage rider is needed to cover sewer backup, if the backup was not caused by the rising floodwaters. Home damage caused by an 'internal flood' ie: pipes bursting or sink/tub overflow is not a part of a 'Flood' policy.
Gallagher
Answer: Yes, always
Explanation: Always
Belocura Cabinetry
ProMatcher
Answer: No, never
Explanation: Not home owners insurance on its own. You would need a flood policy IN ADDITION to a home owners policy.
Faverty Insurance Agency
Answer: No, never
Explanation: Will need a separate flood policy
Full Service Personal Insurance Needs
Answer: No, never
Explanation: Flood Insurance is separate coverage only in areas that are designated as flood zones
Liberty Mutual Insurance
ProMatcher
Answer: In most cases
Explanation: In the State of Florida some homeowners insurance policy have exclusions for water damage.
Certified Inspectors, LLC
Answer: No, never
Explanation: Most flood insurance is a separate policy from your homeowner's policy.
Farmers Insurance-Chris Faverty Agency
Answer: In some cases
Explanation: In some cases a secondary policy to cover flood damage is needed.
Extreme Extraction and Decontamination llc
ProMatcher
Answer: In some cases
Explanation: Only if, you have add it to your homeowners policy as an endorsement.
Farmers Insurance
Answer: In most cases
Explanation: Only if the policy holder opted for flood coverage on their homeowners policy.
American Family Insurance - Lucas Dennis
Answer: In some cases
Explanation: You have to buy Flood Coverage separate from your Homeowner Policy
Ryan Card Insurance Agency
ProMatcher
Answer: No, never
Explanation: Flood insurance is never covered on home insurance and is offered separately the Federal government. Although most people that buy flood insurance are required to because they live in specific flood zones and the mortgage company requires it, anyone can buy flood insurance as a supplement. Optional sump pump, sewer backup is available from most companies for that type of flooding only.
MetLife
Answer: No, never
Explanation: True flood insurance is through the National Flood Insurance Commission, a division of FEMA. It's a government backed insurance policy, based on how close or far you live from a body of water that may damage more than two homes at one given time if it overflows. This is not to be confused with water or sewer damage, which IS an endorsement on a homeowners policy that covers internal water damage or sewer backup.
Lockhart's Insurance Services
Answer: No, never
Explanation: Home insurance never covers flood damage. In order for flood damage coverage to be considered, the insured must have purchased a flood insurance policy through FEMA.
Hannah Swanson State Farm Insurance
ProMatcher
Answer: No, never
Explanation: Flood insurance is a separate line of coverage from homeowners insurance. Flood insurance can be purchased through a national program or a private carrier.
G.L. Anderson Insurance Services, Inc
Answer: No, never
Explanation: This is a separate plan, sold by the Federal Government.
The Lewis Financial Group
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