Content Overview
- Summary
- What Is Homeowners Insurance?
- What Risks Does A Homeowners Insurance Policy Cover?
- What Types Of Homeowners Policies Are There?
- What's Losses Does A Homeowners Policy Cover?
- How Much Of A Loss Will A Homeowners Policy Pay?
- What Is A Personal Article Floater?
- What Types Of Personal Property Doesn't My Homeowners Policy Cover?
- Am I Covered For Floods?
- What Is Liability Insurance?
- Am I Covered If My Dog Bites Someone?
- What is Fire Insurance?
- Is My Home-Based Business covered?
- Will A Homeowners Policy Cover The Rent I Might Lose If I Can't Rent To Tenants As Usual?
- Does A Homeowners Policy Cover My Second Residence?
Homeowners Insurance FAQs
Am I Covered For Floods?
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No. Homeowners policies do not cover losses from flood. As many of us learned from hurricane Katrina, there can be a fine line to determine whether damage is due to windstorm (which is generally covered) or flood.
If you live in an area prone to flood (or mudslides, which are also generally excluded) you might be able to get flood insurance under a program run by the Federal Insurance Administration. Call 800.427.4661 for information.
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