Standard Coverages:

• Insurance on the primary home/building on the insured property
• Personal contents, coverage that protects the possessions inside your home

The coverage offered in a Flood Insurance policy may sound like the coverage you already have in your Homeowner’s policy, but that’s not the case. It’s different from your Homeowner’s because a typical Homeowner’s policy specifically excludes water damage that results from rising water. For the purpose of insurance, “rising” is the key word to distinguish flood damage from water damage.