PersonalFlood
Personal insurance
Flood insurance
The only policy that pays when water rises from outside. Homeowners insurance never does.
In plainEnglish
Flood is excluded from every homeowners policy. Coverage comes from the National Flood Insurance Program or a private flood carrier, and it usually has a 30-day waiting period — so it is not something to buy when the forecast turns.
Specialty programFederal flood insuranceFlood is excluded from homeowners policies everywhere. The Collective places it through the NFIP or a private flood market.Flood coverage is written through the National Flood Insurance Program or a private flood carrier via the Collective’s operating agency.
Covers
- The structure and its systems
- Contents, if you choose
- Cleanup and debris removal
Doesn’t cover
- Basement finishes and contents in most NFIP policies
- Temporary living expenses
- Damage from water that did not touch the ground first
Who needs it
- Anyone in a mapped flood zone (lenders require it)
- Lakefront, riverfront, and low-lying properties outside the map
- Owners who have seen water where it should not be
Learn
When itcomes up
Situations & professions
Where flood shows up in real life.
Nextstep
Ready to see flood options?
A few questions, your ZIP, and we’ll show you which market fits before you give us a phone number.