Does Home Insurance Cover Floods?

Home insurance can do a lot to help when a covered disaster occurs, but not every disaster is covered by a typical policy. If you live in an area at risk of flooding, it’s important to know whether floods are covered under your home insurance. The professionals at The Pivotal Insurance Agency LLC, serving Louisa, VA, can help answer your questions.

What Home Insurance Covers

Coverage varies from one policy to the next, so it’s worth requesting a copy of your policy from your insurance agent to see exactly what’s included. Some disasters commonly covered by home insurance include:

• Fire
• Lightning strikes
• Burglary
• Vandalism

Home insurance typically doesn’t cover flood damage, though some types of water damage, such as damage from a burst pipe, may be covered.

How to Get Coverage for Flood Damage

If you want coverage for flooding, talk to your insurance agent about a separate flood insurance policy. Flood insurance is backed by FEMA’s National Flood Insurance Program, but you can typically purchase it through your regular insurance agent, who can also answer your questions and help you choose a policy that fits your home and budget.

Floods may be infrequent in some areas, but when one does occur, having the right coverage in place can make a real difference during the rebuilding process. If you’re buying a home with a mortgage in a high-risk flood zone, your lender may require you to carry flood insurance.

Need Insurance? Call an Independent Insurance Agent You Can Trust

If you need insurance, whether it’s home insurance or flood insurance, contact the team at The Pivotal Insurance Agency LLC, serving Louisa, VA. We can help you find a policy that provides the coverage you need.

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