If you’ve ever wondered whether your home insurance covers flood damage, you’re not alone. It’s one of the most common questions homeowners ask, especially during storm season. At Anchor Insurance Agency LLP in Plymouth, MN, we believe it’s essential to understand what your policy does and doesn’t include when it comes to flood protection.
The Limits of Standard Policies
Here’s the reality: standard homeowners insurance generally does not cover flood damage caused by natural disasters. If a river overflows, a hurricane hits, or heavy rain floods your basement, your typical policy won’t provide coverage. Protection against these events usually requires a separate flood insurance policy, often backed by the National Flood Insurance Program (NFIP) or a private insurer.
What Is Covered?
While natural flooding isn’t included in most home insurance plans, certain types of water damage are. For example, if a pipe bursts in your home or your washing machine overflows, that water damage is typically covered. The key difference lies in the source: if the water originates inside your home, you’re usually covered. However, if the water comes from outside, such as rising groundwater or a storm surge, you’ll need flood insurance.
Don’t Wait Until It’s Too Late
Flood risks vary depending on your location, but even low-risk areas can experience unexpected flooding. That’s why it’s important to review your current coverage before disaster strikes.
At Anchor Insurance Agency LLP in Plymouth, MN, we’ll help you understand your policy and explore flood insurance options that make sense for your home. Contact us today to ensure you’re protected—rain or shine.
