Discover coverage that fits your life, your goals, and everything in between.
Discover coverage that fits your life, your goals, and everything in between.
Flood damage is not covered by standard homeowners, renters, or condo insurance. A single inch of water can cause thousands of dollars in repairs, and floods can happen almost anywhere — not just in high-risk areas. Flood insurance provides financial protection to repair or rebuild your home, replace belongings, and recover after unexpected water damage.
No. Homeowners, renters, and condo insurance do not cover flood damage. Flood insurance is a separate policy designed specifically for water damage caused by natural flooding.
It generally covers two main areas:
Anyone can benefit from flood coverage. Even if you don’t live in a high-risk flood zone, about one in five flood claims come from areas with low to moderate risk. If you’re in a designated high-risk area, lenders may require it.
Premiums vary based on your location, flood risk, property value, and the type of coverage you select. Homes in higher-risk areas typically have higher costs, but rates can also be affordable in lower-risk zones.
No. Flood insurance typically does not include coverage for additional living expenses (like hotel stays or meals) if your home becomes uninhabitable. That expense would need to be covered separately.
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Ahern Agency
Visit Us: 1212 North Country Road, Stony Brook NY 11790 or 4215 Walney Rd STE T, Chantilly, VA 20151.
Call Our Office: (631) 349-2110