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coverage for flood damage

Stay above water (figuratively and literally) with personal flood insurance

Protection from costly water damage that your home/renters/condo policy won’t cover

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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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Flood damage is more common (and costly!) than you might think

Don’t underestimate a little water: even a few inches of water can cost thousands in damage, and you don’t have to be in a flood zone for it to happen to you.

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What is (and is not) covered by flood insurance?

A flood insurance policy won’t reimburse you for everything, but it will reimburse you for things that aren’t covered by any other insurance policy. 

That being said, each policy does have limitations and exclusions that you’ll want to be aware of.

What is typically covered?

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Actual cash value coverage (replacement cost less depreciation)

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Building foundations

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Furnaces / water heaters / fuel tanks

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Permanently installed property

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Appliances (limited)

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Detached garages

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Personal property

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Prevention, protection and cleanup costs

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Mold remediation (caused by flood damage)

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Damage that affects at least two acres of land or two or more properties

What is not typically covered?

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Replacement cost coverage

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Personal property in basement

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Property outside of home

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Septic systems

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Any damage that affects less than two acres of land or less than two properties

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Any damage that occurs during the 30 day waiting period after getting a policy

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Damage beyond coverage limits

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Got flood insurance questions? We’ve got answers.

Massachusetts flood insurance isn’t required, but it is something you should consider. Let us help you decide whether flood protection is right for you.

Do I need flood insurance?

What if I'm not in a flood zone?

How much does flood insurance cost?

If I don’t buy flood insurance, can’t I just get help from FEMA?

How flood insurance prevents your home from getting waterlogged

Your home and belongings are important to you, but just a few inches of water can cause significant damage. Flood insurance can make protection and reimbursement seamless.

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Disaster protection

Water and snow cause a lot of damage here in Massachusetts. Flood insurance will reimburse you for damages from the elements.

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Perks for being prepared

Not many insurance policies pay you to be proactive - but with Massachusetts flood insurance, you can be reimbursed for keeping your property safe before a storm.

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Debris removal

Clean-up costs can sometimes be more expensive than damage from the flood itself. Your policy will pay to remove debris from your property after a storm.

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Get protected, before and after the storm, with flood insurance

Massachusetts flood insurance has a 30-day waiting period - so don’t delay! Simply fill out this form and a member of our team will be in touch.

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