Recent historic flooding in Missouri has caused loss of life and significant property damage. Flooding is excluded under most insurance policies. With significant rain events, some damage may be covered under sewer backup coverage. Barton offers sewer backup coverage on most policy types. Barton Preferred Homeowner and Farmowner policies include $5,000 sewer backup coverage with no additional premium charge. Water seeping into basements is considered a flooding-type event and is not covered when flooding is excluded.
Flood insurance is available through the National Flood Insurance Program. You must live in an area that participates in the National Flood Insurance Program in order to purchase flood insurance through the program. To learn more about flood insurance or to find out if you can purchase it, visit FloodSmart.gov.