How do I add flood insurance to my insurance policy?

How do I get flood insurance? I live in an area that's seen flooding more and more frequently in the last few years, and it's making me nervous about my home. I want to go ahead and add flood insurance to my insurance policy, but I've never had to do this before and I'm not sure where to start.

Answer
“Adding flood insurance to your policy doesn’t have to be difficult. You can get flood insurance one of two ways: through a federal policy or a private policy.
  • Federal policies, which are issued through licensed providers and agents under the National Flood Insurance Program (NFIP), tend to set one rate for your area, based on its risk level.
  • Private policies, on the other hand, are issued through private insurers, which might provide a better deal for the area you live in or more coverage than a federal policy. For example, federal policies do not cover additional living expenses (like hotel stays) while your home is being repaired; some private policies do.
If you want to add flood insurance to your current policy, the first thing you should do is contact your insurance provider. They’ll have the best information on whether or not they offer flood insurance, how much it will cost, and which type of flood insurance will be best for you to add on to your existing plan.
Sadly, a lot of folks are dealing with the reality that flooding has become much more common in the last five years. But fortunately, it’s never been easier to shop around with multiple insurance companies for appropriate coverage. If you want to make sure you’re getting the best deal on your home insurance policy—flood coverage included—Jerry can help.
The Jerry app will gather customized quotes from top insurance providers instantly, so you can make sure you’re getting the best price. And if you decide to make the switch, we can help with that, too. That way, you can focus on getting the coverage you need, worry-free.”
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Ben Guess
Answered on Sep 09, 2021
Ben has a BA in Journalism + Design from The New School, as well as three years’ experience in content writing and data journalism. They are deeply interested in how the car industry intersects with issues of inequity in the world, as well as in making auto insurance more accessible through writing. When they’re away from the keyboard, they enjoy baking, embroidering, and playing Dungeons and Dragons with friends. They are based in Boston, Massachusetts.
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