coverage for flood damage
Stay above water (figuratively and literally) with personal flood insurance
Protection from costly water damage that your home/renters/condo policy won’t cover
What is flood insurance?
While you may assume the “water damage” coverage on your homeowners policy covers floods, you would not be correct.
In order to protect your home, condo, or apartment from floods, you need a separate flood insurance policy, which reimburses you for damage to your home and possessions resulting from a flood.
And you don’t just need to be in a flood zone to experience flooding. Flooding can happen as a result of heavy rains or storms, overflow of rivers or streams, melting snow, blocked storm drains, or even mudslides.
Massachusetts flood insurance will cover up to $250,000 in dwelling coverage, and $100,000 in personal property coverage, depending on how much you purchase.
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What is (and is not) covered by flood insurance?
A flood insurance policy won’t reimburse you for everything, but it will reimburse you for things that aren’t covered by any other insurance policy.
That being said, each policy does have limitations and exclusions that you’ll want to be aware of.
What is typically covered?
Actual cash value coverage (replacement cost less depreciation)
Building foundations
Furnaces / water heaters / fuel tanks
Permanently installed property
Appliances (limited)
Detached garages
Personal property
Prevention, protection and cleanup costs
Mold remediation (caused by flood damage)
Damage that affects at least two acres of land or two or more properties
What is not typically covered?
Replacement cost coverage
Personal property in basement
Property outside of home
Septic systems
Any damage that affects less than two acres of land or less than two properties
Any damage that occurs during the 30 day waiting period after getting a policy
Damage beyond coverage limits
Got flood insurance questions? We’ve got answers.
Find the answers to all your insurance questions through the helpful resources in our free online Learning Center.
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Get protected, before and after the storm, with flood insurance
Massachusetts flood insurance has a 30-day waiting period - so don’t delay! Simply fill out this form and a member of our team will be in touch.