Flood insurance covers direct physical loss caused by flood. In simple terms, a flood is an excess of water on land that is normally dry.
A Standard Flood Insurance Policy is a single-peril (flood) policy that pays for direct physical damage to your insured property up to the replacement cost or Actual Cash Value (ACV) of the actual damages or the policy limit of liability, whichever is less.
Contents coverage must be purchased separately.
We will assist you in navigating the terms and regulations for a flood insurance policy to best suit your needs.