Posted in Coverage

Caution: Homeowners’ Insurance Usually Doesn’t Cover Flooding

Having a home is something everyone dreams about. Since we were all little kids, at some point in our lives, we imagined building our dream home and living in it happily ever after with our family. But the reality is having a home is difficult. Not only does it take a long time but it costs a lot too. Apart from basic costs of a house such as construction and mortgage, people often look to get home insurance as well. Home insurance allows you to be protected against certain risks and damages related to your home. However, a common occurrence that is surprisingly not covered by home insurance, is flood.

What Isn’t Covered
Flood is a common occurrence in specific places around the world, yet it is not covered by home insurance. In fact, if you want to get flood insurance, you will have to pay extra. On top of that, flood insurance has a lot of eligibility requirements and exclusions. You can find details about home insurance from

Some of the following damages that arise from flood are not covered:

  • Damage that is caused by moisture, molds, or mildew which could have been avoided. Moisture damage that is not identified as being caused by the flood is also not covered.
    • Damage if the earth moves, even if the earth moves because of the flood. This includes movement such as landslides.
    • Living expenses during repair of the home, such as a temporary shelter is not covered by home insurance.
    • Property and items or belongings that is outside of the insured building such as hot tubs, swimming pools, decks, patios, etc. This may vary depending on the policy.

If you live in a flood-prone area, it might be a good idea to look at your options. While floods aren’t covered in basic insurance policies, you may be able to get approved for additional coverage that encompasses flood. Check with your insurance provider when consulting.