It is important for homeowners to understand that flood damage is not covered by their home insurance policy under any circumstance.
Even if the cause of the flood is something that is covered by your home insurance policy, like a hurricane or earthquake, you will not be able to make claims for damages that are a direct result of the flood. Instead, you must buy an additional flood insurance policy in order to get that coverage. There are some other water-related damages that will be covered by a basic home insurance policy, though, such as rainwater damage. When you are comparing home insurance quotes, it is a good idea to find out the specifics of any coverage for water damage. If that protection is not sufficient to cover potential losses, then you should consider a separate flood insurance policy for added security.
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