Standard homeowners policies exclude both entirely, regardless of how the damage happens, making this genuinely separate coverage rather than an optional add-on.
Get a quote for Flood & EarthquakeAny homeowner, not just those near a river or coastline. Standard homeowners policies exclude both flood and earthquake entirely, and either can happen well outside an official flood zone.
A basement floods from a slow groundwater rise with no storm involved, and the homeowner discovers their policy never covered flood damage in the first place.
Read the full story →Flood risk isn't limited to coastal or riverside properties. Groundwater, poor drainage, and heavy rain can cause flood damage well outside mapped flood zones.
No, they're typically separate coverages, sometimes from different providers, both excluded from standard homeowners policies.
Yes, if the water comes from outside the home, even gradually, it generally falls under flood coverage's definition, not a standard homeowners policy.
