Flood insurance
Get peace of mind for when the flood waters rise.

Speak with a flood insurance expert today.

Call 1-866-351-3059

(M–F, 8 a.m.–5 p.m., ET)

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Flood insurance from Esurance

Why do you need flood insurance?

  • Most homeowners insurance policies don't cover flood-related damages
  • Floods are the most common natural disaster in the United States
  • From 2001 to 2010, the average flood insurance claim paid in the U.S. was nearly $48,000*

These are just a few of the reasons to consider buying flood insurance today. (Not to mention the fact that your lender may require that you have it.)

And here's one more thing to consider: According to FEMA's Floodsmart.gov, a mere 6" of floodwater in a 1,000 ft2 home could cause over $20,000 of damage.** That's $20,000 that the right flood insurance policy could save you from paying out of pocket. And since the average policy costs about $600 a year* — or roughly $1.64 a day — that adds up to pretty significant savings.

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What's covered by flood insurance?

Flood insurance policies come in 2 forms: one (called Building Property coverage) covers the structure itself, while the other (called Personal Property coverage) covers the things you keep in your home. For optimal liability coverage for your home and belongings, it's a good idea to get both forms of coverage. (Renters and condo owners will be happy to know they can get Personal Property coverage too!)

Both coverage types help pay for the repair and/or replacement of the covered items listed below (up to the limit you select when you buy coverage).

Building Property coverage can help protect and pay for:

  • The insured building and its foundation
  • Electrical and plumbing systems
  • Central air conditioning equipment, furnaces, and water heaters
  • Refrigerators, cooking stoves, and built-in appliances such as dishwashers
  • Permanently installed carpeting over an unfinished floor
  • Permanently installed paneling, wallboard, bookcases, and cabinets
  • Window blinds
  • Detached garages (up to 10 percent of Building Property coverage)
  • Debris removal

Personal Property coverage can help repair or replace:

  • Personal belongings such as clothing, furniture, and electronic equipment
  • Curtains
  • Portable and window air conditioners
  • Portable microwave ovens and dishwashers
  • Carpets not included in building coverage (see above)
  • Clothes washers and dryers
  • Food freezers and the food in them
  • Certain valuable items such as original artwork and furs (up to $2,500)

Personal Property coverage will help pay up to the actual cash value of these items (that is, the original price minus depreciation) for a covered incident.

Keep in mind that water damage and flood damage aren't synonymous. Flood insurance only applies to water damage that is directly related to a flood.

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Want to learn more?

To get detailed info on flood insurance coverage, check out the National Flood Insurance Program's Summary of Coverages or call 1-866-351-3059 today.

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*Information in the 3 bullets and average annual price provided by the National Flood Insurance Program.

**Cost calculated using Floodsmart.gov's interactive The Cost of Flooding tool.

Flood insurance policies are underwritten by the National Flood Insurance Program (NFIP). Coverages, discounts and billing options are subject to state availability, individual qualification and/or the NFIP's underwriting guidelines. New flood insurance policies are subject to a 30-day waiting period prior to taking effect. This is a brief description of coverage available. For complete details, including exclusions and limitations, please refer to the policy you will receive when you purchase the coverage. Flood insurance claims are processed by the NFIP. Esurance provides customer service for the policies but does not underwrite or pay claims for them.