Flood Coverage: Are You Covered Beyond Homeowners Insurance? 

Being a responsible homeowner means taking the time to insure our homes from unexpected disasters. While many of us trust that our homeowners insurance will cover a wide range of damages, it’s important to understand that most standard policies do not include coverage against flood damage. With unpredictable weather and the risk of flooding in many communities, knowing where your coverage ends, and where it should begin, is essential.

What Does Homeowners Insurance Typically Cover?

Our homeowners insurance policies are designed to cover against common risks such fire, theft, and certain types of water damage, such as burst pipes.

However, damage caused by flooding (whether from heavy rain or rapid snowmelt) is almost always excluded. This means that if your basement floods after a storm or your property is affected by rising water, your standard policy likely won’t help with repairs or replacement costs.

Why Flood Insurance Matters in Illinois

Illinois is no stranger to flooding, especially in areas near rivers, lakes or with poor drainage systems. Even if you don’t live in a high-risk flood zone, unexpected weather events can still put your home at risk. Flood insurance is a separate policy specifically designed to cover losses caused by flooding, including damage to your home’s structure and your personal belongings.

We’re Here to Help

At Insure All, LLC, we believe in helping homeowners make informed decisions about their coverage. If you’re unsure about your current plan or want to learn more about flood insurance, our team is ready to answer your questions and guide you through your options.

Contact us today to discuss how you can better insure your home from flood risks.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.