Most basic home policies do not cover floods.
Any damage to your home or property is your
responsibility unless you have flood insurance.
If you live in an area that is prone to flooding,
then you should consider flood insurance
to be a must.|
In general, insurance companies are reselling
federal flood insurance, and so the major
differentiation is the service of the insurance
(payment of claims, etc.). However, companies
do set their own rates, so you should check
out the providers listed on the right. To
make sure you get the best rate, apply to
several companies and then compare the rates
and terms they offer.