Skip Navigation

Flood Insurance

MetLife Auto & Home® Flood Insurance

Floods and flash floods could occur anytime, anywhere and not everyone knows their standard homeowners policies don’t cover water damage caused by flooding. MetLife Auto & Home® sells  flood insurance as part of the National Flood Insurance Program, sponsored by the federal government.

To learn more, review the NFIP Manual.

Unlike a standard homeowners policy, flood insurance covers losses to your property caused by flooding. Some of the things a standard flood policy will cover include:*

  • structural damage
  • furnace, water heater, and air conditioner
  • flood debris clean up
  • floor surfaces, such as carpeting and tile 

Flood insurance can also cover* the contents of your home, such as furniture, collectibles, clothing, jewelry, and artwork.

Policies are available in three forms: Dwelling (most homes), General Property (apartments and businesses), and Residential Condominium Building Association (condominiums).

*See policy for restrictions. In the event of a conflict between this information and the policy, the policy prevails

Flood Insurance

Did you know?

  • Flooding has cause more destruction in America than any other natural disaster
  • Everyone is at risk of flooding.
  • In the past 5 years, all 50 states have experienced floods of Flash floods.

Claim Resources

  • Most homeowner policies don't cover floods!
  • Floods are the #1 natural disaster in the United States.
  • Nearly 25% of all flood losses happen in low to moderate risk areas.