Flood is defined as water that rises from the ground or from overflowing bodies of water. It is excluded from every standard homeowners policy. Even if you are not in a high-risk flood zone, low-cost preferred-risk flood policies are available and worth considering — about 25% of flood claims come from outside high-risk zones.
Understanding the Basics
Does homeowners insurance cover floods?
By Roni Rivers, Licensed Insurance AdvisorReviewed
No. Standard homeowners policies exclude flood damage. You need a separate flood policy through the NFIP or a private flood carrier.
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