Who typically needs this
- Property owners in high-risk flood zones
- Anyone whose mortgage lender requires flood coverage
- Homeowners outside mapped flood zones who still want protection
Individuals & Families
Flood Insurance
Flood insurance is typically not included in a standard homeowners or renters policy. Coverivo can help you review flood exposure and gather information for available flood options.
Common coverages
- Building coverage for eligible structures
- Contents coverage for personal property, when selected
Things to consider
- Waiting periods often apply
- Flood maps and elevation details can affect eligibility and cost
Questions people ask
Is flood covered by homeowners insurance?
Usually no. Flood is commonly excluded and handled through a separate policy.
Coverivo is an independent insurance broker, not an insurance carrier. Coverivo is staffed by licensed insurance professionals who help you evaluate and request coverage from applicable markets. We do not underwrite or issue insurance policies. Insurance products and availability vary by state and insurance company. Coverage is subject to underwriting, eligibility requirements, policy terms, exclusions, and carrier approval.