Building coverage
Helps repair or rebuild the structure and its major systems after a covered flood loss, such as the foundation, electrical and plumbing.
What it covers
What flood coverage can include
Flood insurance is a separate policy for damage from rising or overflowing water from outside your home. It can be bought through the National Flood Insurance Program (NFIP) or through private flood options. Coverage options vary by policy and carrier.
Contents coverage
Helps replace belongings damaged by a covered flood. It is sold separately from building coverage and can be bought by renters and condo owners.
Covered causes of flood
Generally includes overflowing rivers and creeks, heavy rain that causes surface water to enter the home and similar events. Policy definitions control.
Basements and lower levels
Coverage for basements and the items in them is often limited under flood policies. Ask what applies to your home.
Waiting period
There is often a waiting period before a new flood policy takes effect, commonly 30 days under the federal program. Do not wait for a storm warning.
Not the same as water backup
Water backing up through a drain or sump pump is usually handled by an endorsement on a homeowners policy, not by flood insurance.
Who needs it
Who should think about flood insurance
If any of these sound like you, it is worth a quick conversation. We serve Kentucky, Ohio and Indiana.
Homeowners in or near mapped flood zones
If your lender requires flood insurance, we can help set it up. Lenders usually require it for homes in high-risk zones with federally backed mortgages.
Homeowners outside mapped zones
Flooding happens outside high-risk zones too. A short conversation can help you decide.
Condo owners and renters
Contents coverage for belongings is available even if you do not own the building.
Owners with finished basements
Lower levels are often where flood damage is greatest. Ask what is covered and what is not.
Local agency
Flood coverage in Florence, Boone County and Northern Kentucky
Boone, Kenton and Campbell counties all touch the Ohio River, and Northern Kentucky also has the Licking River and local creeks. Heavy rain can send water into low spots, basements and streets that never seemed at risk. Homeowners across the area should check their flood zone and talk with an agent before storm season.
Turner Insurance Group is based in Florence and writes flood policies in Kentucky, Ohio and Indiana. We can go over the maps, the options and how flood fits with your homeowners, condo or renters policy.
Be prepared
Steps to take
Check your flood zone
Look up your address on FEMA's flood map or ask us. A zone designation can affect what a lender requires.
Review your homeowners policy
Confirm what is excluded. Flood and water backup are two different things.
Take photos and inventory
Document your belongings and the condition of your home before a loss, not after.
Plan ahead of the waiting period
A new policy typically does not start the day you buy it. Look at flood coverage well before storm season.
FAQ
Common questions
Does homeowners insurance cover flood?
No, not typically. Standard homeowners, condo and renters policies exclude flood from rising water. Flood coverage is bought separately, either through the NFIP or a private flood option.
Do I need flood insurance if I am not in a flood zone?
It is not required unless a lender asks for it, but flooding can happen outside mapped high-risk zones. We can go over your address and what is available.
Can renters and condo owners buy flood insurance?
Yes. Contents coverage for belongings is available to renters, and condo owners can look at contents and, in some cases, building coverage. Availability depends on the building and the program.
What is the difference between flood and water backup?
Flood is water from outside rising into your home, such as from a river or heavy surface water. Water backup is water coming back up through a drain, sewer or sump pump. They are covered under different policies or endorsements.
Is there a waiting period before flood coverage starts?
Often yes. Under the federal program, a 30-day waiting period commonly applies, with some exceptions such as certain loan closings. Ask us what applies to your situation.
Do you write flood insurance in Ohio and Indiana?
Yes. We help in Kentucky, Ohio and Indiana. Coverage options vary by policy and carrier.
Keep reading
Related coverage & guides
Homeowners insurance · Renters insurance · Condo insurance · Manufactured home insurance · Umbrella insurance · Storm & hail damage claims guide · All coverage
Areas we serve: Florence · Burlington · Hebron · Union · Erlanger · Independence · Covington · Newport · Fort Thomas · Walton · Lexington
Ready for a flood quote?
Request a quote online, or call or text our Florence office at 7000 Houston Rd, Ste 12. We serve Kentucky, Ohio and Indiana.