Flood & Earthquake Coverage
Specialized coverage for catastrophic weather and earth movement. We help you navigate standalone policies and endorsements designed to cover perils explicitly excluded by standard property insurance.
Property Risk Profile
Standard homeowners, condo, and landlord policies do not cover damage caused by flooding or earthquakes. Many property owners confuse interior water damage (such as a burst pipe) with flood coverage. However, if damage is caused by rising surface water, heavy rains, or storm surges, it requires a separate, dedicated flood policy. Similarly, structural damage resulting from earth movement requires specialized earthquake coverage. Without these specific policies in place, property owners are left to pay out-of-pocket for these events.
Core Coverage Considerations
A resilient property insurance portfolio often includes these specialized coverages to help safeguard your equity against excluded natural disasters.
Flood Insurance
Designed to help cover physical damage to your building and personal property caused by rising water, mudflow, or storm surge. We provide access to both the National Flood Insurance Program (NFIP) and private flood insurance markets, which often offer higher limits and flexible coverage options.
Earthquake Coverage
Available as a standalone policy or an endorsement to your primary homeowners policy. It is designed to help cover the costs of structural repairs, personal property replacement, and temporary living expenses resulting from earth movement.
Loss of Use / Additional Living Expenses
Some private flood and earthquake policies offer coverage designed to help pay for temporary housing and hotel stays if your home is rendered uninhabitable by a flood or earthquake.
Want a quote for Flood or Earthquake Coverage?
Don’t wait for a severe weather event to discover what your standard policy excludes. Let our advisors help you explore coverage options for flood and earthquake risks.