Flood insurance
Your homeowners policy does not cover flood. Neither does your wind policy.
Flood coverage is its own policy. We quote the National Flood Insurance Program and private flood options so you can compare timing, limits and fit.
When it starts
Do not leave timing until the forecast changes.
A new National Flood Insurance Program policy usually takes effect 30 days after you apply and pay.
Two common exceptions: flood bought because you are closing on a mortgage or refinance can start at closing. If a new flood map moves your home into a high-risk zone, a policy bought within 13 months of that change starts after one day.
Private flood policies often have a shorter wait, commonly 10 to 15 days depending on the company, and can offer higher limits.
Building
Up to $250,000 for a home
The structure and foundation, wiring and plumbing, furnace, water heater and central air, refrigerator, stove, built-in dishwasher, built-in cabinets, permanently installed carpet, and a detached garage up to 10% of the building limit.
Contents
Up to $100,000, bought separately
Furniture, clothing, electronics, washer and dryer, and freezers and the food in them.
What flood coverage does not cover
Cars, cash, decks, docks, fences and pools, and a place to stay while the house is repaired. The federal program does not pay living expenses, though some private policies do. On a raised home, the space below the lowest elevated floor has limited coverage, mostly essentials such as the furnace, water heater and stairs.