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Flood Insurance

Having Flood Insurance Coverage is Smart

Because homeowners insurance policies do not provide coverage for damage caused by flood, buying flood insurance is one of the smartest ways to protect your home and your belongings. When you consider that a flood loss is 30 times more likely to occur than a fire loss, it's a good idea for many homeowners to look into purchasing flood insurance coverage for their property.

As a participating company in the National Flood Insurance Program, The Hartford offers National Flood Insurance Program flood insurance coverage to AARP members through the AARP® Flood Insurance Plan. You have the added security of knowing that the National Flood Insurance Program is backed by the federal government.

Understanding Flood Insurance

Generally, a flood insurance policy provides coverage for physical damage to your home or personal property directly caused by a flood. There are a few important things to consider when you purchase flood insurance.

Building property flood insurance and personal property flood insurance are not the same thing. Each type of flood insurance must be purchased separately. Generally, the National Flood Insurance Program encourages people to purchase both types of flood insurance so that both your home and the contents are protected.

Flood insurance is not a guaranteed replacement cost policy. Guaranteed replacement cost policies pay the cost to rebuild after a total loss, regardless of the limit of liability. Flood insurance will not pay more than the policy limit.

Flood Insurance Coverage

Floods can occur just about anywhere. In fact, a fairly high number of flood losses, over 25%, occur in low-to-moderate risk areas. Depending on your home's construction, location, and loss history, you may qualify for a Preferred Risk Policy.

It's important to know that flood insurance cost is established by the federal government. As a result, all companies will use these same rates to determine your cost for flood insurance coverage.

Still, you may be able to save money if you live in a low-to-moderate risk area and meet the requirements for a Preferred Risk Policy. The Hartford's flood insurance specialists can help you determine if your home and contents are eligible for this lower-cost option.

Keep in mind, also, that when costs are the same, a good way to get more value for your money is to choose a company that provides you with a higher level of service.

The AARP Flood Insurance Plan from The Hartford features highly trained flood insurance specialists ready to answer your questions and provide you with a fast, personalized quote. And, if you choose to purchase flood coverage through this program, you can also rely on The Hartford to provide ongoing customer service on your policy and a 24-hour Claim Hotline if you need to report a flood claim.

For more information on flood insurance, call The Hartford's flood insurance specialists today at 1-800-296-7542.

To report a flood claim through The Hartford's National Flood Insurance Program, call 1-800-759-8656.

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