Your basic types of homeowners insurance do not usually cover flood damage. Policies that can protect you from this are usually either offered through the federal government or through select private companies. If you live in an area that is prone to flooding and want to insure your home against such damage, ask your current provider if they offer such coverage.
If they do not, you can always obtain free home insurance quotes online from companies that do offer flood protection and consider switching your coverage to that provider. The other option would be to purchase a policy from the federal government. Contact your state’s Department of Insurance for more information on this.
It is also a good idea to have flood detectors installed in basements. This can help you prepare and avoid flood damage, but it may also reduce the cost of that type of coverage, just like security alarms and smoke detectors help reduce other types of home insurance.
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