Homeowners vs. Flood Insurance: What's the Difference?
Published
Why rising floodwater is usually treated differently from a burst pipe, and where to check your coverage.
Does homeowners insurance cover flooding?
Short answer: Standard homeowners policies typically exclude damage from flooding (rising surface water). Flood coverage is usually purchased separately through the National Flood Insurance Program (NFIP) or a private flood insurer. Sudden, accidental water damage from inside the home, like a burst pipe, is often handled under homeowners coverage. Check your own policy for details.
Two different types of water damage
Insurers generally distinguish between water coming from outside and rising from the ground (flood) and sudden water from inside the home (for example, a burst supply line).
Where flood coverage comes from
Flood insurance is commonly available through the NFIP via insurance agents, and from private flood carriers. NFIP policies generally have a waiting period before coverage starts, so buy before storm season.
What to do now
Read your declarations page and exclusions, ask your agent which water events are covered, and document your property's condition before any loss.
General information only, not legal or insurance advice. Coverage depends on your policy.