Flood Insurance
Why Consider
Flood Insurance
Flood Insurance Comes Separately
Because homeowners insurance policies do not provide coverage for damage caused by flood, home 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.
Understanding Flood Insurance
Generally, a flood insurance policy provides coverage for physical damage to your home or personal property directly caused by a flood.
Building property flood insurance and personal property flood insurance are not the same thing. Each type must be purchased separately. Generally, the National Flood Insurance Program encourages people to purchase both types of insurance so that both your home and the contents within it are protected.
Flood Insurance Coverage
It's important to know that flood insurance cost is established by the federal government. As a result, all companies offering flood coverage will use these same rates to determine your cost.
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. Our 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 Hartford features highly trained specialists ready to answer your questions and provide you with a fast, personalized flood insurance quote.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.
Call for a Quote
For more information or to request a quote, call The Hartford at
1-888-413-8970
M-F 7 am to 11 pm ET,
Sat-Sun 8 am to 6 pm ET
Bundle & Save
You can save up to 20% on home insurance and 10% on car insurance when you bundle policies together.
Find an Insurance Agent
Prefer to work with a local agent? No problem! We'll help you find an independent insurance agent in your neighborhood.
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