Insurance term
Flood Insurance
Separate coverage for damage caused by flooding, which standard homeowners policies exclude. It is available through the National Flood Insurance Program (NFIP) and some private insurers, and is often required in high-risk flood zones.
Example
If a river overflows and floods your first floor, only a flood policy — not a standard home policy — would cover it.
Related coverage
Home Insurance
Safeguard your home and belongings with reliable homeowners insurance.
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