Flood Insurance

All homeowners policies exclude damage caused by flood. You can purchase coverage on a separate policy backed by the federal government. This coverage may be purchased on your home and contents. The price is very affordable and is based on the flood plain you live in. You must buy this coverage before the water starts rising because there is a 30-day waiting period before coverage starts. Because this is a federal program the price is exactly the same no matter what company you buy it through