Does Home Insurance Cover Flood? 
That is a great question ! Unfortunately , the vast majority of homeowners policies will not cover damages due to flooding . There will be a separate policy for that coverage , or a rider added to your homeowners policy to protect you , especially if your home lies in an area where flooding is a possibility . It is an unpleasant surprise for many homeowners when they find their home is n't covered . I sincerely hope that is not the case for you . Thanks for asking ! 