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