Personal Insurance
Flood Insurance
Provides coverage for your home against floods and storm surges.
Get a Quote*General coverage descriptions listed below are intended as educational overviews and may not reflect the specific terms of any policy placed by Rampart Risk Advisors LLC. Coverages often vary by carrier and the risk profile of each individual business. Always refer to your policy to determine what exposures, perils, or claims are covered.
What’s Generally* Covered
- Structural damage to your home’s foundation, walls, floors, and roof caused by flooding
- Damage to electrical systems, plumbing, HVAC equipment, and built-in appliances
- Personal property and contents damaged by floodwaters, up to policy sublimits
- Debris removal and cleanup costs following a flood event
- Coverage available through the National Flood Insurance Program (NFIP) and private market carriers
- Private flood policies often offer higher limits, broader terms, and faster claims handling than NFIP
Who It's For
- Homeowners in FEMA-designated Special Flood Hazard Areas where coverage is required by mortgage lenders
- Homeowners near rivers, coastlines, low-lying areas, or regions with heavy seasonal rainfall
- Anyone whose standard homeowners policy excludes flood damage, which is virtually all policies
- Renters and condo owners seeking coverage for flood-damaged personal property