Flood Insurance

No state law requires it, but a lender will require it if the home is in a high-risk flood zone, and most homeowners policies exclude flood entirely. Even outside mapped high-risk zones, a large share of flood claims come from lower-risk areas, so it is worth pricing.

It depends on the home's flood zone, elevation, age, and the coverage limits. FEMA's newer pricing reflects each property's specific risk rather than a flat zone rate, and private carriers price independently. Available prices and terms depend on the property's eligibility.

The building's structure and, as a separate limit, your contents. It pays for direct physical flood damage. It generally does not cover temporary housing, vehicles, or outdoor property, which is why we walk through the exclusions before you buy.

NFIP is FEMA's program: it covers a home up to $250,000 and belongings up to $100,000, and a new policy usually starts after a 30-day wait. Private carriers such as Neptune go higher, up to $7 million on the building, and add options like temporary living expenses. The usual ten-day wait may be waived for a qualifying property closing or a policy moving from another insurer with the new policy starting when the prior one expires. Confirm the effective date and any waiver on the offered policy. For a single-family home, we request an NFIP estimate through NFIP Direct alongside private quotes.

No. Standard homeowners policies exclude flood, which surprises people after a loss. Flood needs its own policy. A burst pipe inside the home is a different, covered peril, so the cause matters.

Start with the type of home and the property's ZIP code, then answer the property questions. For a single-family home we request an NFIP estimate through NFIP Direct and private flood quotes, so you can compare them. Confirm the effective date before relying on coverage.

Standard NFIP policies do not pay additional living expenses while the home is repaired. Some private policies do.

Landscaping, decks, fences, and pools are generally excluded.

Flood damage to a vehicle is covered under the comprehensive part of an auto policy, not flood insurance.

A backup not caused by a flood event is a homeowners endorsement, not a flood claim.

We offer coverage in the states where we are licensed. Begin a quote with the address of your business or risk, and we'll let you know which markets can write that location before you spend much time on the questions.

Tell us about the coverage you need and complete the application. We use those details to approach suitable markets and may ask follow-up questions. Requesting a quote does not put coverage in force.