Each office is independently owned and operated. About Homeowner's Insurance Note that homeonwer's insurance does not cover damage to your home or personal belongings caused by floods. For information about homeowner's insurance and excess liability coverage, click here . The program is funded by policy premiums.
Flood insurance is often the first step toward recovery.
A flood policy is needed because homeowners' policies do not cover flooding. There is normally a waiting period before the flood insurance policy takes effect. For flood insurance to be made available in a community, the community agrees to require permits for development in flood hazard areas and to ensure that proper materials and methods are used in new construction. These requirements protect new buildings from future floods. 90 percent of flood insurance policies are serviced by private insurance companies.