What Is the Difference Between Flood Insurance and Home Insurance?

Home insurance generally protects your house and belongings from perils listed in your policy, like fire, wind, theft, and certain types of water damage. This often includes water that comes from a sudden, accidental event inside your home, such as a burst pipe, an overflowing bathtub, or a malfunctioning appliance. The damage is typically sudden and not the result of long-term neglect.

For example, if a washing machine supply line breaks and floods your laundry room, your home insurance may help pay for the cleanup and repairs. This type of water damage is considered an internal, accidental occurrence. However, water that enters from the outside, especially from the ground or a body of water, is usually treated differently and often excluded from standard policies.

• Burst pipes
• Roof leaks from storm damage
• Overflowing sinks or bathtubs
• Appliance leaks
• Sudden, accidental water damage

The main difference is the source of the water. Home insurance covers water that comes from inside your home, while flood insurance covers water that enters from outside. A standard home policy usually excludes flood damage, so if a river overflows and floods your basement, your home insurance likely will not pay for it.

Flood insurance also works differently in terms of deductibles and limits. Flood policies often have separate deductibles for the building and contents, and the cost can vary based on your property's flood risk. You can buy flood insurance through the NFIP or a private insurer, but you cannot add it to a standard home policy as an endorsement.

If your home does suffer flood damage, act quickly to protect your health and property. Remove standing water as soon as it is safe, and dry out the area to prevent mold growth. Wear protective gear like gloves and boots, and be cautious of electrical hazards. Turn off the power and gas if necessary, and do not enter a flooded room until it is safe.

Document the damage with photos and keep receipts for any supplies you buy. Contact your insurance company to report the claim, and ask about your coverage. If you need help with cleanup, local water damage pros can assist with removing water, drying, and restoring your home. For more information, check your policy and talk to your insurance agent.

• Turn off power and gas if safe
• Wear protective gear
• Document damage with photos
• Remove standing water quickly
• Dry out the area to prevent mold
• Contact your insurance company