Building
Review which parts of the structure are included and the available limit.
PERSONAL PROTECTION
Flood
Flood damage follows different rules from wind damage or a plumbing leak. Even outside high-risk areas, it is worth understanding water risk and when a new policy would take effect.
UNDERSTAND YOUR OPTIONS
What this insurance may address
Specific coverage for physical flood damage, subject to the policy's definition.
Contents purchased separately
Belongings may need a separate contents limit.
Options for owners and renters
The approach changes for homeowners, renters and unit owners.
A situation to consider
After a storm, water entering from outside may be treated differently from rain entering through an opening caused by wind.
QUESTIONS WORTH ASKING
Start your quote with clarity.
- What flood risk applies to the address?
- Do you need building coverage, contents coverage or both?
- When do you need coverage to begin?
PREPARE FOR THE CONVERSATION
Have these handy if available:
- Property address and occupancy
- Construction year and major improvements
- Current policy and renewal date
- Approximate value of belongings to protect
Our team can explain any additional information a carrier requests.
FREEDOM INSURANCE
You may also explore
PERSONAL
Home & property
Protection for your home, belongings and certain personal liability risks.
Learn more ↗
PERSONAL
Condo (HO-6)
Protection for your condo unit and belongings, coordinated with the association's master policy.
Learn more ↗
BUSINESS
Commercial flood
Flood coverage for business buildings and contents.
Learn more ↗Learn more from official sourcesRead this official guide ↗
This is general information. Coverage, limits, exclusions, eligibility and pricing depend on the insurer and policy. Confirm your options with our team.