Flood Insurance

Many people are surprised to learn that a homeowner policy, whether written on
a house, condominium or apartment, does not cover damage by flood.

This is unfortunate as all too often people find their dream abode only to
learn that flood insurance is required as a condition of the loan.

A flood insurance policy is a separate policy designed solely for the purpose
of providing coverage for damage by flood.

• Floods are the number one natural disaster in the United States
• Everyone lives in a flood zone!
• A homeowner insurance policy does not cover damage by flood
• Flood insurance policies can cover either your dwelling or your contents or both
• A separate deductible applies to both dwelling and contents coverage if a loss occurs