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Illustrated waterfront with a house raised on stilts, a calm bay with a purple buoy, a distant shoreline of houses, a wooden dock and a tall pine

Flood insurance

high water, covered.

Most home policies don’t cover flood. We find flood coverage that fits your home, including homes worth more than federal limits.

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MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

the water rises.
you’re covered.

Rising water, soaked floors and a place to stay. Tap around the house to see what’s covered, and what isn’t.

Illustrated cutaway of a two-story house standing in floodwater: bedrooms and a bathroom upstairs with a purple suitcase by the stairs, a living room and kitchen on the ground floor, a basement with a furnace, water heater and sump pump, an SUV in the flooded garage and missing shingles on the roof

usually covered

Water rises into the basement

Furnace, water heater and cleanup, on most policies.

covered

Floors and walls get soaked

Repairs to your home.

with an add-on

Your furniture is ruined

When you add contents coverage.

usually covered

You need somewhere to stay

Living costs, on most private policies.

usually covered

Water rises into the basement

Furnace, water heater and cleanup, on most policies.

Examples. Your policy sets the details.

flooded?
make one call.

We get an adjuster out, help you document the damage and follow the claim until it’s closed.

  1. 1. Call us when it’s safe

    Tell us what happened and take photos before cleanup.

  2. 2. We file it

    Photos, receipts and the adjuster’s report go to the carrier.

  3. 3. We push it through

    Repairs and payouts, followed to the end.

the best price, without the shopping.

Tell us about your home and family once. We compare the carriers and bring back your options, side by side.

The Laurent family

your options

$4,900a year, $2.1M building

3 options, same coverage

Option A$4,900

Option B$5,600

Option C$6,800

Coastal homeZone AE$2.1M rebuildElevated
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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Put them on one program and we shop them together at every renewal.

good to know.

Straight answers about flood insurance.

Does homeowners insurance cover flood?
Usually not. Flood from rising water, storm surge or overflowing rivers is typically excluded from home policies. Flood coverage comes from the National Flood Insurance Program or private flood insurers, and it’s worth checking even outside high-risk zones.
What if my home is worth more than federal flood limits?
Federal flood policies cap how much they pay for the building and for its contents. Private flood insurers and excess flood policies can cover the rest, often with broader terms like living expenses while you’re displaced.
Do I need flood insurance outside a flood zone?
Often it’s worth considering. Many flood claims come from homes outside high-risk zones, and heavy rain can flood almost anywhere. Coverage outside high-risk areas is usually less expensive.
When does flood insurance start?
Federal flood policies usually have a waiting period before coverage starts, with some exceptions such as a new mortgage. Private flood policies may have shorter waiting periods. Buy before storm season, not when a storm is forecast.
Does flood insurance cover my basement?
Only partly, in most cases. Federal flood policies cover basements for essentials like furnaces, water heaters and cleanup, but not finished walls, floors or belongings. Some private flood policies cover more, so the wording matters.

Insurance words, in plain English: replacement cost vs actual cash value · deductible vs self-insured retention

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA