Which type of insurance is typically needed for flooding?

Flood insurance is specifically designed to cover damages related to flooding, which is often excluded from standard homeowners insurance policies. This type of insurance provides financial protection against losses caused by rising water, whether from heavy rainfall, melting snow, or other water-related events.

Homeowners insurance typically covers a range of perils, such as fire or theft, but not flooding. Earthquake insurance is focused on providing coverage for damages resulting from seismic activity, and comprehensive insurance usually pertains to vehicle coverage against a variety of incidents but does not address flooding in residential properties. Therefore, the only insurance that explicitly provides coverage for flood-related damages is flood insurance. This makes it essential for property owners in flood-prone areas to obtain this specific type of policy to ensure they are financially protected against such risks.