Standard homeowners insurance doesn't cover flood damage. bubl flood insurance protects your home, belongings, and peace of mind — before the water rises.
Flood insurance covers damage from rising water, storm surge, heavy rainfall, snowmelt, and more — things your homeowners policy won't.
Covers the structure of your home including foundation, electrical and plumbing systems, HVAC, and permanently installed features like cabinets and built-in appliances.
Example: Floodwaters damage your foundation and destroy your furnace and water heater in the basement.
Protects your personal belongings — furniture, electronics, clothing, and other household items damaged or destroyed by flooding.
Example: Rising waters from a storm surge ruin your living room furniture, TV, and family photo albums.
Covers specific items in your basement including utility equipment, washers, dryers, and food freezers.
Example: Flash flooding fills your basement, destroying your washer, dryer, and a chest freezer full of food.
If your home is uninhabitable after a flood, this helps cover temporary housing, meals, and other living costs.
Example: Severe flooding makes your home unlivable for two months while repairs are completed.
Covers the cost of removing flood-damaged debris from your property so repairs can begin.
Example: After a river overflow, mud, branches, and damaged materials need to be cleared from your yard and home.
If any of these apply to you, flood insurance is strongly recommended:
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Combine your coverage into one bubl and pay less for more protection.