Flood damage is not typically covered by a homeowners insurance policy.
If a house is destroyed due to the collapse of the land it is built on, and the collapse is due to waves or currents of water, that would be considered a flood and would be covered.
25% of homes with flood claims each year are in low risk zones.
There is a low-cost policy for homes in moderate-to-lower risk areas, and for much less than you might expect. The quick processing of these lower risk/low cost policies is the purpose of this website, so lets get started. Click here to get a quote.
Overflows from sewer systems or sump pumps are not considered a flood unless a flood has caused the backup and overflow.