Flood Insurance
From heavy rain to rising water, the GEICO Insurance Agency can help you find flood insurance to cover damage your standard home insurance may not.
From heavy rain to rising water, the GEICO Insurance Agency can help you find flood insurance to cover damage your standard home insurance may not.
Flood insurance is essential coverage that goes beyond a standard homeowners insurance policy. It helps protect your home and personal property from severe types of water damage—like heavy rain, snowmelt, or coastal storms—that homeowners insurance usually won’t cover.
Whether you're required to carry flood insurance or just want extra protection, GEICO Insurance Agency offers can help you find policies through the National Flood Insurance Program (NFIP).
If you live in an area at high risk for floods, flood insurance may be required by your lender. Enter your address here to determine if you live in a high-risk zone in the United States.
Do you think your house is safe from flooding because you don't live near the coast? The truth is, floods can occur anywhere including areas outside of high-risk flood zones. More than 40% of flood insurance claims come from outside high-risk flood areas. Another thing to consider is that most homeowners insurance doesn't cover flood damage. Flooding is the most common and costly natural disaster in the United States.
Buy flood insurance before a flood risk appears. Most flood insurance policies require a 30-day waiting period before the coverage is effective. Exceptions include if you've purchased a new home and the closing is in less than 30 days.
A flood is defined by the NFIP as: A general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow.
The Federal Emergency Management Agency's Flood Map Service Center will help you locate your area's flood map.
Flood insurance provides coverage for both the structure of the home and personal property in case of damage.
Flood insurance policies usually cover:
Keep in mind that structure and personal property coverages usually have separate limits and deductibles so read the policy details carefully. Our flood insurance counselors are happy to help. Call us at (800) 566-1575.
The NFIP flood insurance contract does not provide coverage for things like:
This is not a complete list. You should read your policy contract to make sure you know what is and isn't covered. Our flood insurance counselors are also available to help you with questions.
Flood insurance for basements is limited. Certain items used to service the residence are covered, like water heaters, furnaces, washers, and dryers.
Flood insurance does not cover carpeting, wall finishing, and other personal property.
Use our personal property calculator to add up the cost of your belongings:
If your home is in a community that participates in the NFIP you may be eligible for flood insurance at a modest cost through the Federal Government. This means insurance companies issue flood insurance that's administered by the Federal Government. By purchasing your flood insurance through the GEICO Insurance Agency, it will be part of your GEICO Portfolio. You will also get the same great service you expect.
Benefits of getting a flood insurance policy include:
Ready to protect your home? Get a personalized flood insurance quote through GEICO insurance agency by talking to one of our qualified agents. Call (800) 566-1575. to get a free flood insurance quote. Flood polices must be paid in full. Typically, payment can be rolled into your mortgage or paid by credit card.
It's easy to manage your policy, report a claim, or just chat about your flood insurance policy. You can reach a helpful agent at (855) 716-2302 (Assurant customers can call (855) 395-9765). To report a claim, please refer to our list of partners.