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FLOOD INSURANCE
Be Ready to Weather Any Storm with the Right Flood Insurance
We're here to help with a flood insurance solution that’s right for your home.

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    888-235-8727 M-F 9am-5pm ET

    Why do people choose Acrisure to help with their flood insurance needs?

    Rain can be unpredictable but your insurance coverage doesn’t have to be.

    • Can Help You Save

      Compare quotes from multiple insurance companies in one spot to help you save.

    • The Right Coverage

      Our licensed insurance agents have flood insurance expertise. We’re ready to help!

    • Efficient Process

      Flood insurance doesn't have to be complicated—we help simplify it for you.

    How it works

    A simpler way to request a flood insurance quote

    • Tell us about yourself and your home

      We'll ask some questions about where you live and what your home is like.

    • Make your choice

      We'll provide options based on coverage and price.

    • Purchase your policy

      Our licensed agents will work with you to help obtain a policy.

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    Knowledge

    Good to know when considering flood insurance for your home

    Flood insurance generally covers losses due to flooding typically caused by certain weather events

    Flood insurance typically covers losses caused by water damage resulting from heavy rain, snow melt, and storms.

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    Flood insurance can cover property and contents

    Flood insurance generally provides coverage for both the structure of the home (building coverage) and personal property in case of flood damage (content coverage).

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    Flood insurance policies contain exclusions

    The terms and conditions of each policy will vary but flood insurance coverage typically excludes losses to decks and patios, seawalls, fences, hot tubs and pools, property outside of the insured building, wells, septic systems, landscaping, currency, jewelry and papers like stock certificates.

    There may be a waiting period to consider

    There may be a waiting period before your flood insurance coverage takes effect, so it's important to plan ahead and secure coverage well in advance of any anticipated flooding.

    Flood insurance may be required

    Flood insurance is typically not required by law, but it may be required by a mortgage lender if the property is located in a high-risk flood zone.

    FAQ

    Common questions about flood insurance

    While the terms, conditions and exclusions of each flood insurance policy may vary, the following answers provide some guidance on common flood insurance policy provisions.
    • Does homeowners insurance cover flood damage?
      Most standard homeowners insurance policies don’t cover flood damage claims. If a property owner lives in a designated flood zone or an area that is prone to flooding, they may be required to purchase flood insurance by their lender.
    • Does federal disaster assistance pay for flood damage?
      Even if a homeowner does not have flood insurance, they may be able to get limited federal disaster assistance for flood damage. However, federal disaster assistance is only available if the President formally declares a disaster. Furthermore, federal disaster assistance is provided as a loan which must be paid back with interest. Flood insurance, however, will typically cover damages even if a disaster has not been declared.
    • Does flood insurance cover basement damage?
      Flood insurance may cover damages to the basement of a dwelling, but it depends on the specifics of the policy and the cause of the flood or water damage. Flood insurance may not cover basement damage if the cause of the flood is due to the failure of a sump pump or other water removal system, or if the damage is caused by a sewer backup. It's important to carefully review your policy to understand what is and isn't covered.
    • When should I consider private flood insurance vs. NFIP insurance?
      It may be beneficial to consider purchasing private flood insurance if you are looking for coverage options that may not be available through the National Flood Insurance Program (NFIP), if you're not in a NFIP participating community, or if you are looking for higher coverage limits. Private flood insurance may also offer more flexibility in terms of deductibles and policy terms. It's important to carefully review and compare policies to ensure that you are getting the coverage you need. It may also be helpful to consult with an insurance professional to determine the best option for your specific needs and circumstances.
    • How much does flood insurance cost?
      The costs for flood insurance depend on several factors, including the age and construction type of the home, whether the property is located in a flood risk zone, and insurance coverage levels, among others. Contact Acrisure to be connected to an insurance professional that can help you access a personalized solution that is right for you.
    • Does flood insurance cover sewage backup?
      Flood insurance typically does not cover damages due to sewage backup. Water or sewage back up from a drain is generally considered separate from the types of water damage covered by flood insurance policies. However, some homeowners insurance policies may offer coverage for water or sewage backup as an additional endorsement. It's important to carefully review your policy to understand what is and isn't covered. Contact Acrisure for guidance on homeowners insurance policy add-ons.
    • Does flood insurance cover foundation damage?
      Flood insurance may cover foundation damage. Generally, flood insurance covers damage to the structure of a home and its foundation. Flood insurance may not cover foundation damage if the damage is caused by a pre-existing condition, such as settling or cracking prior to the flood. It's important to carefully review your policy to understand what is and isn't covered.
    • Is flood insurance transferable?

      Private flood insurance is typically not transferable, so if someone is buying a new home, they'll need to obtain their own flood insurance policy prior to closing if it is required by the mortgage lender, or at any point the protection is desired. Acrisure's licensed agents with flood insurance expertise can help.

      NFIP (National Flood Insurance Program) insurance is typically transferable. The home seller can use an NFIP transfer form to have the buyer assume the policy. For more details, see the NFIP website.

    • Does homeowners insurance cover flood damage?
      Most standard homeowners insurance policies don’t cover flood damage claims. If a property owner lives in a designated flood zone or an area that is prone to flooding, they may be required to purchase flood insurance by their lender.
    • How much does flood insurance cost?
      The costs for flood insurance depend on several factors, including the age and construction type of the home, whether the property is located in a flood risk zone, and insurance coverage levels, among others. Contact Acrisure to be connected to an insurance professional that can help you access a personalized solution that is right for you.
    • Does federal disaster assistance pay for flood damage?
      Even if a homeowner does not have flood insurance, they may be able to get limited federal disaster assistance for flood damage. However, federal disaster assistance is only available if the President formally declares a disaster. Furthermore, federal disaster assistance is provided as a loan which must be paid back with interest. Flood insurance, however, will typically cover damages even if a disaster has not been declared.
    • Does flood insurance cover sewage backup?
      Flood insurance typically does not cover damages due to sewage backup. Water or sewage back up from a drain is generally considered separate from the types of water damage covered by flood insurance policies. However, some homeowners insurance policies may offer coverage for water or sewage backup as an additional endorsement. It's important to carefully review your policy to understand what is and isn't covered. Contact Acrisure for guidance on homeowners insurance policy add-ons.
    • Does flood insurance cover basement damage?
      Flood insurance may cover damages to the basement of a dwelling, but it depends on the specifics of the policy and the cause of the flood or water damage. Flood insurance may not cover basement damage if the cause of the flood is due to the failure of a sump pump or other water removal system, or if the damage is caused by a sewer backup. It's important to carefully review your policy to understand what is and isn't covered.
    • Does flood insurance cover foundation damage?
      Flood insurance may cover foundation damage. Generally, flood insurance covers damage to the structure of a home and its foundation. Flood insurance may not cover foundation damage if the damage is caused by a pre-existing condition, such as settling or cracking prior to the flood. It's important to carefully review your policy to understand what is and isn't covered.
    • When should I consider private flood insurance vs. NFIP insurance?
      It may be beneficial to consider purchasing private flood insurance if you are looking for coverage options that may not be available through the National Flood Insurance Program (NFIP), if you're not in a NFIP participating community, or if you are looking for higher coverage limits. Private flood insurance may also offer more flexibility in terms of deductibles and policy terms. It's important to carefully review and compare policies to ensure that you are getting the coverage you need. It may also be helpful to consult with an insurance professional to determine the best option for your specific needs and circumstances.
    • Is flood insurance transferable?

      Private flood insurance is typically not transferable, so if someone is buying a new home, they'll need to obtain their own flood insurance policy prior to closing if it is required by the mortgage lender, or at any point the protection is desired. Acrisure's licensed agents with flood insurance expertise can help.

      NFIP (National Flood Insurance Program) insurance is typically transferable. The home seller can use an NFIP transfer form to have the buyer assume the policy. For more details, see the NFIP website.

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