What is flood insurance?
While you may assume the “water damage” coverage on your homeowners policy covers floods, you would not be correct.
In order to protect your home, condo, or apartment from floods, you need a separate flood insurance policy, which reimburses you for damage to your home and possessions resulting from a flood.
And you don’t just need to be in a flood zone to experience flooding. Flooding can happen as a result of heavy rains or storms, overflow of rivers or streams, melting snow, blocked storm drains, or even mudslides.
Massachusetts flood insurance will cover up to $250,000 in dwelling coverage, and $100,000 in personal property coverage, depending on how much you purchase.
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