Flood

A specialized policy that shields you from flood-related financial losses by covering structural repairs and the replacement of personal belongings damaged by natural disasters.

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Coverages

  • A house partially submerged in floodwaters with its roof and windows visible, and damage evident on the structure.

    Building Property

    Safeguards your home or building's structure against flood damage. This includes repair or replacement expenses for critical components like the foundation, walls, floors, roof, and built-in appliances.

  • Flooded bike rack area with a parked bicycle and a trash bin, with brown floodwater covering the ground.

    Personal Property

    Covers belongings inside the insured building, including furniture, clothing, electronics, and personal items. This coverage reimburses you for repairing or replacing damaged property in case of a flood.

  • Damaged boats and debris in water with a hillside town in the background, showing destruction from a storm or disaster.

    Debris Removal

    Helps cover the costs associated with removing debris and wreckage from your property after a flood. This coverage is vital for facilitating the cleanup process and restoring your property to its pre-flood condition.

  • A bedroom with purple walls and window curtains, a bed with purple pillows, a nightstand with a lamp, framed circular artwork on the wall, a white chair, a small television on a dresser, and a window letting in natural light.

    Loss of Use Coverage

    Provides financial aid for temporary housing if your home is unlivable due to flood damage. Coverage reimburses hotel stays, rental properties, meals, and essential living costs.

  • Person using a yellow and black DeWalt circular saw to cut a piece of wood on a workbench, with sawdust flying.

    Increased Cost of Compliance

    Cover extra costs for local building code compliance during home repairs after a flood. This coverage ensures your property meets current standards.

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