Homeowners
Protect your home and eligible belongings against covered flood losses, including when you live outside a designated high-risk flood zone.
Get a Quote ↗Flood Insurance
Protection for homes, businesses and the property you have worked to build.
FLOOD INSURANCE
Flooding does not always follow the flood map.
From coastal storms and river flooding to heavy rainfall and overwhelmed drainage systems, water can cause serious property losses. Standard homeowners and most commercial property policies generally exclude flood damage.
Request a Flood Quote ↗HAML helps property owners explore flood insurance solutions based on their location, property, and coverage needs.
Flood coverage for different properties
Commercial Properties
Explore building and contents flood coverage for offices, commercial buildings and other eligible business properties.
Get a Quote ↗
Rental & Investment Property
Ask about flood coverage for eligible rental homes and investment properties. Availability and limits depend on the policy and property.
Get a Quote ↗Understanding your options
NFIP and private flood markets
Flood insurance is available through the National Flood Insurance Program (NFIP) and, where eligible, private insurers. Limits, deductibles, waiting periods and coverage features can differ.
HAML can help review available options for your property and explain what is, and is not, included in the proposed policy.
What to have ready for a quote
- Property address and occupancy type
- Building details and construction year
- Estimated building and contents coverage needed
- Existing flood policy, if any
- Requested effective date
Common flood insurance misconceptions
My property is not in a high-risk flood zone. Do I need flood insurance?
Flooding can occur outside high-risk areas. Heavy rainfall, drainage failures and changing runoff patterns can affect properties that have not flooded before.
Will my homeowners policy cover flood damage?
Most standard homeowners policies exclude flooding. Flood coverage typically needs to be arranged separately.
Will federal disaster assistance pay for flood damage?
Disaster assistance is not a substitute for insurance. Assistance may depend on a disaster declaration, eligibility and available programs, and may not cover the full cost of repairs.
Does flood insurance include all water damage?
No. Flood is a defined cause of loss. Sewer backup, seepage, surface water and other water-related losses may be treated differently depending on the coverage. Review policy definitions and exclusions.
Ready to review your flood coverage?
Start with your property details.
Request a quote and HAML will help you assess the coverage options available for your location.
Coverage availability, waiting periods, limits and exclusions vary by carrier, flood zone and policy. Review the full terms before binding. Resources: FloodSmart ↗ · FEMA ↗