Springtime Showers: Is It Time to Consider Separate Flood Insurance?

Springtime Showers: Is It Time to Consider Separate Flood Insurance? It's important to know that standard homeowners and renters insurance policies usually won't cover damages caused by floods. These policies typically only cover water damage that originates inside the home. For example, if a burst pipe causes water damage, it may be covered, but if water seeps in through the basement, it may not.

However, even though flooding may not be covered under your standard insurance, you still have options. You can purchase separate flood insurance coverage that will give you additional protection against flooding. It's important to keep in mind that flood insurance policies have deductibles and premiums that you'll need to consider when filing claims.

It's worth noting that flood insurance policies are standardized by the federal government. This means that insurance companies don't set prices for flood insurance policies. Instead, FEMA determines the premiums and deductibles based on the risk and frequency of flooding in a particular location.

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