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What are the coverage limits of a standard flood policy?

The maximum coverage on a standard flood policy is:

 

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Single-family home structure
$250,000
Single-family home contents
$100,000
 
Business structure
$500,000
Business contents
$500,000
 
Renter contents
$100,000
   

(See how you can increase your coverage under "When is a standard flood policy not enough?")

In the event of damage from flooding, your claim is paid regardless of whether or not a disaster is declared by the President. And a portion of your claim can be paid immediately to speed the recovery process.

What can a flood policy cover?

  • Flood debris cleanup
  • Structural damage (walls, stairways, ceilings, floors)
  • Household appliances damaged by floodwater (refrigerators, air conditioners, heat pumps, circuit breaker boxes, washers/dryers)
  • Wall-to-wall carpeting, tile and other flooring surfaces

What can contents coverage include?

  • Furniture (beds, couches, dressers, entertainment centers, tables)
  • Collectibles, artwork, knickknacks
  • Clothing, shoes, accessories, jewelry
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