Flood Insurance quotes
Affordable flood insurance,
customized for you.
Liberty Mutual is part of the Write Your Own (WYO) Program under the Federal Emergency Management Agency (FEMA) in all 50 states, in over 21,000 communities.
Our participation in this program allows us to provide and serve NFIP policies that can keep you protected from costly damage.
We can help you understand if you need flood insurance.
See how much coverage you can get for damages caused by flooding.
We've been helping insure the things you love for over 100 years!
Do I need flood insurance?
Just one inch of water in an average home can cause more than $25,000 in damage.1
More than 25% of flood insurance claims come from outside a high-risk flood area.2
Flooding is the most common and costly natural disaster in the United States.2
Bundle your insurance,
more like bundle of savings!
We also make it fast and easy for you to get a quote. Check out why people have trusted us with their insurance needs for over 100 years!
Flood insurance coverage
Does homeowners cover floods?
Home damage
Belongings
Why choose Liberty Mutual?
Start your flood insurance quote today.
Common flood insurance questions
If you're looking for cheap flood insurance, no matter where you live, flood insurance can be affordable, and less expensive than you might think. Contact your Liberty Mutual representative who can provide you with a no-obligation rate quote. You can also visit FEMA's website for a chart of estimated premiums and additional information.
In general, flood insurance covers 2 different types of damage caused by flooding. These coverages are for the building and for th contents of the building.
Building coverage, can cover things like
- Structural damage (ex., foundation walls, staircases, and detached garages)
- Utilites (ex., electric and plumbing systems, furnaces and water heaters)
- Appliances (ex., refigerators, cooking stoves, and dishwashers)
- Permanently installed carpeting, cabinets, paneling, bookcases, and window blinds
- Fuel tanks, well water tanks and pumps, and solar power equipment
Contents coverage, can cover things like
- Personal belongings (ex., clothing, furniture, and electronic equipment)
- Curtains
- Appliances (ex., washer and dryer, portable and window air conditioners, and microwave ovens)
- Carpets not included in building coverage (ex., carpet installed over wood floors)
- Valuable items (ex., original artwork and furs) up to $2,500
Flood insurance can be required for a few reasons when your home
- Is in a high-risk flood area
- Has a government backed mortgage
- Has a mortgage/lender that requires it
- Where you have received federal disaster assistance
Even though you may not be required to have flood insurance, it's still a good idea to get it. So whether you live in Texas or Florida, or in Kansas, it's important to get the coverage you need. In many cases, flood insurance can be affordable.
Floods are the most common natural disaster in the United States. In fact, your home ismore likely to be damaged from a flood than from a fire. Floods are caused by storms, melting snow, hurricanes, and water backup due to inadequate or overloaded drainage systems, dam or levee failure.
- There is usually a 30-day waiting period before a flood insurance policy can become effective.
Federal disaster assistance is only available if the President declares a disaster, and more than 90% of all disasters are not Presidentially declared. Even when a disaster is declared, government assistance is provided as a loan that you must pay back with interest. Flood insurance, however, will cover damages even if a disaster is not declared.
- Install backflow valves or standpipes.
- Landscape with native plants and vegetation that resist soil erosion.
- Maintain a sump pump system if you have below-grade floors.
- Install flood shields or built-up barriers for basement windows and doors.
- Raise your washer and dryer, water heater, oil tank, furnace or any electrical wiring on concrete blocks, above the base flood elevation.
Additional flood insurance resources from FEMA and the National Flood Insurance Program:
Why you should buy flood insurance
National Flood Insurance Program Flood Insurance Cost Calculator