Inland Flood Coverage
Designed specifically for residents in low-to-moderate risk areas, our Inland Flood Coverage Endorsement can add affordable flood coverage to your Homeowner policy. The Inland Flood Endorsement is an affordable way to protect your home and belongings against flood.
What is an inland flood?
- When inland waters, such as streams or rivers, overflow and partially or completely inundate normally dry land
- Unusual, rapid rain accumulation, runoff, or snowmelt that doesn’t drain away or soak into the ground
- When water carries mud and becomes a mudflow
The NFIP was formed to cover high-risk areas that require flood insurance by law. For inland residents outside of these areas, the coverage is optional. This doesn’t stop floods from impacting low-to-moderate risk areas.
The Inland Flood Coverage Endorsement includes coverage for:
- Residence and certain other structures (e.g., shed, pool house)
- Personal property, including basement or sunken room (sub-limits may apply)
- Loss of use (sub-limits may apply)
- Property the policyholder moves to safety (first 30 days)
- Debris removal
Expert Guidance from Your Local Agent
Ask your agent today about how to add this valuable coverage to your Homeowner policy.
Find an AgentThe description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.