{"id":128,"date":"2026-08-28T04:00:00","date_gmt":"2026-08-28T10:00:00","guid":{"rendered":"https:\/\/www.pivotalins.com\/blog\/?p=128"},"modified":"2026-08-10T13:49:33","modified_gmt":"2026-08-10T19:49:33","slug":"does-home-insurance-cover-floods","status":"publish","type":"post","link":"https:\/\/www.pivotalins.com\/blog\/does-home-insurance-cover-floods\/","title":{"rendered":"Does Home Insurance Cover Floods?"},"content":{"rendered":"<p>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&#8217;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.<\/p>\n<h2>What Home Insurance Covers<\/h2>\n<p>Coverage varies from one policy to the next, so it&#8217;s worth requesting a copy of your policy from your insurance agent to see exactly what&#8217;s included. Some disasters commonly covered by home insurance include:<\/p>\n<ul>\n<li>Fire<\/li>\n<li>Lightning strikes<\/li>\n<li>Burglary<\/li>\n<li>Vandalism<\/li>\n<\/ul>\n<p>Home insurance typically doesn&#8217;t cover flood damage, though some types of water damage, such as damage from a burst pipe, may be covered.<\/p>\n<h2>How to Get Coverage for Flood Damage<\/h2>\n<p>If you want coverage for flooding, talk to your insurance agent about a separate flood insurance policy. Flood insurance is backed by FEMA&#8217;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.<\/p>\n<p>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&#8217;re buying a home with a mortgage in a high-risk flood zone, your lender may require you to carry flood insurance.<\/p>\n<h2>Need Insurance? Call an Independent Insurance Agent You Can Trust<\/h2>\n<p>If you need insurance, whether it&#8217;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.<\/p>\n<hr \/>\n","protected":false},"excerpt":{"rendered":"<p>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&#8217;s important to know whether floods are covered under your home insurance. The professionals at The Pivotal Insurance Agency LLC, serving Louisa, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[29,19,25,6,26],"class_list":["post-128","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-home","tag-insurance","tag-louisa","tag-the-pivotal-insurance-agency-llc","tag-va"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.pivotalins.com\/blog\/wp-json\/wp\/v2\/posts\/128","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pivotalins.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pivotalins.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pivotalins.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pivotalins.com\/blog\/wp-json\/wp\/v2\/comments?post=128"}],"version-history":[{"count":1,"href":"https:\/\/www.pivotalins.com\/blog\/wp-json\/wp\/v2\/posts\/128\/revisions"}],"predecessor-version":[{"id":129,"href":"https:\/\/www.pivotalins.com\/blog\/wp-json\/wp\/v2\/posts\/128\/revisions\/129"}],"wp:attachment":[{"href":"https:\/\/www.pivotalins.com\/blog\/wp-json\/wp\/v2\/media?parent=128"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pivotalins.com\/blog\/wp-json\/wp\/v2\/categories?post=128"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pivotalins.com\/blog\/wp-json\/wp\/v2\/tags?post=128"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}