Standard homeowners and renters insurance policies do not cover flooding! Since flooding can occur anywhere it rains, every homeowner should consider purchasing a flood policy. Many homes are not located in high-risk flood zones, however they are still at risk due to snow melt, poor drainage, saturated grounds, and clogged storm drains.

Flood coverage is available in participating communities and may be required as part of a federally-backed mortgage if you live in a flood-zone. With a 30-day waiting period before coverage takes effect, don’t wait until flood season to purchase your policy. Speak with your agent today.