Find Your Best Flood Insurance Quotes Instantly
Types of Flood Insurance
There are two primary types of flood insurance policies available: those provided by the National Flood Insurance Program (NFIP) and those offered by private insurers. The NFIP, managed by FEMA, offers coverage for both the structure of your home and its contents. However, coverage limits may apply, typically capped at $250,000 for the building and $100,000 for contents2.
Private flood insurance policies can offer higher coverage limits and additional benefits, such as replacement cost coverage for your belongings and temporary living expenses if your home becomes uninhabitable. These policies can be tailored to better meet your specific needs, providing more comprehensive protection.