Is flood damage covered under regular home insurance?

Is flood damage covered under regular home insurance?
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1 Answer

Answer :

Floor damage is almost never covered under regular home insurance. It needs to be purchased separately and can be quite expensive for many areas.
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Related questions

Does Home Insurance cover the expense of living after home damage due to Flood?

Description : Does Home Insurance cover the expense of living after home damage due to Flood?

Last Answer : answer:Regular home insurance does not cover flood from the outside at all. If you flood from your plumbing that is usually covered. If you have water damage from the wind breaking ... refer to flood insurance they specifically are talking about flooding from the outside unless otherwise specified.

Brought to mind by the flood quesion, why would anyone cancel their flood insurance to save the $800 a year cost, incur $40,000 of damage from a flood, and then not get flood insurance?

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Last Answer : answer:Maybe they’re hoping that lightening won’t strike twice? You should probably tell them the same statistics do not apply to flooding and living by a river.

What is covered by property damage liability insurance?

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Last Answer : Propety Damage covers you if you damage someone elses property. Liability covers you in the event of a lawsuit.

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What would likely be covered under homeowner's insurance but NOT by renter's insurance?

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Last Answer : Damage to anything covered by the landlord's insurance, becausethe landlord owns the property not the renter. Such damage would becovered under homeowner's insurance, because the homeowner owns theproperty.

Would likely be covered under homeowners insurance but not by renters insurance?

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What's going to happen to actuarial assessments for flood insurance on the Houston flood plain?

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Last Answer : Really? Only 15% had flood insure. Oh man, that's bad, really, really, bad. I don't know the answer to this Q. but I do agree that the government should not supply cheap insure. to those that choose ... it is fire insure. must have it, and it's pricey because we live in a high risk wildfire zone.

Do you have flood insurance and how much do you pay for it?

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Last Answer : answer:Here you go knock it out. Flood Insurance Website We have flood insurance and the closest water (a stream) is quarter of a mile away and 25 feet lower.

Why have National Flood Insurance, when FEMA is paying for everything?

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Is flood insurance included in basic homeowners insurance?

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Last Answer : Homeowner's insurance policies do not cover flood damage. You will need a Flood Insurance policy and to get one you will have to apply and wait 30 days.

Do homeowner insurance policies typically include flood coverage?

Description : Do homeowner insurance policies typically include flood coverage?

Last Answer : Flood coverage is not standard in most homeowner insurance policies. If flooding concerns you, then you should address this with your insurance company and have the coverage added.

Can I do a credit card debit by phone to pay the premium on my flood insurance?

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Last Answer : That depends upon your insurance agent, but the chances are very good. Mine accepted a credit card. You should probably pay it before you get flooded, though.

How much is flood insurance cost?

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Last Answer : Flood Smart.gov (http://www.floodsmart.gov/floodsmart/pages/choose_your_policy/policy_rates.jsp) has a list of various policy rates you can check to see how much flood insurance will cost.

Where can I compare flood insurance prices?

Description : Where can I compare flood insurance prices?

Last Answer : There are a number of sites where you can compare flood insurances prices. However, most companies won't offer it unless you live an a flood zone. Also, the government has the cheapest flood insurance so you should just go with them.

If Erin Farm Insurance saw a sudden increase in the number of farmers seeking flood insurance in Ireland due to major floods in Britain, the floods would be presenting the company with a marketing: A)opportunity B)strategy C)concept D)mix E)target

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What types of damage or events are included under catastrophic insurance coverage?

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You are going to lose your home, which would be more devastating, to lose it by fire, flood, avalanche, or mudslide?

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How would you react if you came back home and everything you cherished had been destroyed by flood water?

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U-Haul/moving trucks and "damage insurance"?

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