Flood
Essential coverage to protect your property against flood damage.
Coverage for damage to your property caused by flood may be available by endorsement to an all-risks policy or to a difference-in-conditions policy. Historically, flood insurance has been placed through the National Flood Insurance Program (NFIP). However in certain cases (homes in certain flood zones), it makes sense to approach one of the many alternative, viable options in the private flood market that has entered the space in recent years. Coverage provided is subject to a per-occurrence sub-limit, an annual aggregate limit, and a separate deductible typically.
