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Whether you own or rent, your home is important to you. And so are your belongings. From TVs and smartphones to the items you treasure, like your grandmother's clock. You probably have property insurance to protect your home and belongings. But what about protection from flood damage? A flood can happen anywhere and anytime, whether your property resides inland or in a low-lying area. Flood insurance must be purchased separately because damage from flooding is not covered under typical homeowners, renters, condominium and landlord policies.

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Why Purchase Flood Insurance?

Flood insurance covers your property and possessions damaged as a result of a flood – even if a disaster isn’t declared.

Waiting Period:

Keep in mind that most flood insurance policies have a 30-day waiting period for coverage to take effect. Purchase a flood insurance policy now to avoid delays.

National Flood Insurance Program:

The federal government, FEMA, manages the National Flood Insurance Program (NFIP). Most people are eligible to purchase flood insurance as long as their community participates in the program. Visit www.floodsmart.gov for more information about NFIP.

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