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	<title>New answer on: Is Flood Insurance Included In Homeowners Insurance?</title>

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		<title>By: Tom Sheehan</title>

		<link>https://www.insurancelibrary.com/home-insurance/is-flood-insurance-included-in-homeowners-insurance</link>

		<dc:creator>Tom Sheehan</dc:creator>

		<pubDate>Thu, 31 Jul 2014 14:58:50 +0000</pubDate>

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		<description><![CDATA[The answer to this question is a resounding &quot;no&quot;.  Damage caused by flood is always excluded from a standard Homeowners&#039; Insurance policy.  There may be ways to endorse coverage for water damage caused by a failed drainage system, but this is not flood insurance.  Flood Insurance protection can only be obtained by the purchase of a separate Flood Insurance policy through a program managed by FEMA and more than likely available through your Insurance Professional.]]></description>

		

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		<title>By: David Pipes</title>

		<link>https://www.insurancelibrary.com/home-insurance/is-flood-insurance-included-in-homeowners-insurance</link>

		<dc:creator>David Pipes</dc:creator>

		<pubDate>Wed, 30 Jul 2014 17:13:45 +0000</pubDate>

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		<description><![CDATA[Damage caused by flooding is excluded from most homeowner’s policies.  Almost 25% of the property losses in the USA are the result of floods.  There is a national flood program available and most insurance agents can provide the coverage.  Lenders often require flood insurance if the flood risk is too high. ]]></description>

		

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		<title>By: Rich Haag</title>

		<link>https://www.insurancelibrary.com/home-insurance/is-flood-insurance-included-in-homeowners-insurance</link>

		<dc:creator>Rich Haag</dc:creator>

		<pubDate>Wed, 30 Jul 2014 15:12:45 +0000</pubDate>

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		<description><![CDATA[Flood insurance is typically excluded from all basic homeowners policies. The National Flood Insurance Plan covers flood for these exclusions. It is a federally funded policy that will cover you up to $250,000 for your home and $100,000 for your contents. More is available in the aftermarket, but you must have the underlying national program as a base.]]></description>

		

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		<title>By: Jim Winkler</title>

		<link>https://www.insurancelibrary.com/home-insurance/is-flood-insurance-included-in-homeowners-insurance</link>

		<dc:creator>Jim Winkler</dc:creator>

		<pubDate>Wed, 30 Apr 2014 04:00:41 +0000</pubDate>

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		<description><![CDATA[Great question! You are wise to ask, too many people learn the hard way that flood damage isn&#039;t covered. If your home is in a place that is susceptible to flooding, then you really want to add that coverage to your insurance package. I grew up back in Illinois, and I saw over and over every few years  when the river would flood people that lost nearly everything because &quot;it will never get this high&quot;. Better to be safe than sorry! Thanks for asking!]]></description>

		

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		<title>By: Mark Bartlett CLCS</title>

		<link>https://www.insurancelibrary.com/home-insurance/is-flood-insurance-included-in-homeowners-insurance</link>

		<dc:creator>Mark Bartlett CLCS</dc:creator>

		<pubDate>Tue, 02 Jul 2013 20:25:05 +0000</pubDate>

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		<description><![CDATA[Flood insurance or coverage for a flood is not included in a homeowners insurance policy and is in fact specifically excluded. There is only one option for flood protection and that is to purchase a flood policy. Almost all insurance companies can write you a flood policy but the policy is underwritten though FEMA. Which ever insurance company you currently work with on your homeowners insurance should be able to set you up with a flood policy. Unless there is a close of escrow you have a 30 day wait before a flood policy can become active so no waiting until the storm hits to purchase a flood policy. Flood is not to be mixed up with water damage which is covered under a homeowners policy. An example of water damage would be a pipe that burst in the home.]]></description>

		

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		<title>By: David Osgood</title>

		<link>https://www.insurancelibrary.com/home-insurance/is-flood-insurance-included-in-homeowners-insurance</link>

		<dc:creator>David Osgood</dc:creator>

		<pubDate>Tue, 02 Jul 2013 20:24:53 +0000</pubDate>

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		<description><![CDATA[Flood insurance is a completely separate policy from homeowners insurance. Many agents that sell homeowners insurance will also sell flood insurance. I would suggest contacting a local agent to find out about the availability and cost of flood insurance within your specific geographic location. Regarding coverages offered through your homeowners policy. I would recommend reading the policy completely to understand what coverage is provided and what exclusions there may be.]]></description>

		

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