Protect your property before the water rises.
Flood insurance helps protect your home, belongings and financial future from rising water, storm surge and other flood-related losses. MAS Insurance can help you compare available coverage options.
Local guidance. Multiple coverage options. Personal service.
Your home policy and your flood policy serve different purposes.
Water damage can come from many different sources, and the cause of the damage often determines which policy may respond.
A dedicated flood policy is designed for qualifying damage caused by rising or overflowing water. Our team can help explain the difference between flood coverage and the water-related protection included in other property policies.
What flood insurance may help protect.
Coverage depends on the policy form, selected limits, deductibles, exclusions and the cause of loss. These categories provide a general overview of commonly available protection.
Building Coverage
Protection for eligible parts of the insured building and permanently installed property.
- Foundation and structural walls
- Electrical and plumbing systems
- Central air and heating equipment
- Permanently installed fixtures
Personal Property
Contents coverage may protect qualifying personal belongings located inside the insured property.
- Furniture
- Clothing
- Electronics
- Certain portable appliances
Appliances
Certain major appliances may be eligible when damaged by a covered flood event.
- Refrigerators
- Cooking appliances
- Washers and dryers
- Freezers and stored food limits
Detached Garage
Limited building coverage may apply to a qualifying detached garage, subject to the policy.
- Detached structure review
- Policy-specific sublimits
- Occupancy restrictions
- Eligibility requirements
Mechanical Systems
Policies may include qualifying equipment used to operate and maintain the building.
- Water heaters
- Fuel tanks
- Electrical panels
- HVAC components
Debris Removal
Reasonable expenses to remove qualifying flood-damaged insured property may be covered.
- Covered debris
- Reasonable removal costs
- Policy limits apply
- Documentation may be required
Flood insurance policies vary. Always review the declarations, policy form, exclusions, limitations and endorsements for the exact terms of coverage.
Building and contents coverage protect different things.
Depending on your ownership interest and property type, you may need building coverage, contents coverage or a combination of both.
Building Coverage
Designed for qualifying physical components that are part of the insured building.
Contents Coverage
Designed for qualifying movable belongings located inside the insured property.
Home insurance is important. Flood insurance fills another gap.
The source and movement of water matter. A licensed agent can explain which policy may apply to a specific type of loss.
Review My OptionsWater does not need to come from the ocean to damage your property.
Flooding can result from coastal conditions, severe weather, drainage problems and overflowing waterways. Understanding the property’s surroundings is an important part of reviewing coverage.
Check My PropertyStorm Surge
Coastal water can be pushed inland during severe tropical weather.
Heavy Rain
Intense rainfall can overwhelm the ground and nearby drainage systems.
Drainage Problems
Blocked or overwhelmed drainage can cause water to collect quickly.
Hurricanes
Tropical systems may bring several water-related hazards at the same time.
A flood zone is one part of your property’s risk profile.
Flood-zone designations may affect lender requirements, policy options and the information needed to obtain a quote.
Zone X
Commonly used for areas outside the mapped special flood hazard area. Flood coverage may still be worth considering.
Zone AE
A special flood hazard area where base flood elevation information is generally established.
Zone VE
Coastal areas that may be exposed to additional wave-related hazards during a base flood.
Not Sure?
Send us the property address. Our team can use available information to begin reviewing flood insurance options.
Request a reviewFlood maps and property conditions can change. The mapped zone should not be treated as the only measure of possible flood exposure.
NFIP and private flood options may offer different advantages.
Availability varies by property. We can help compare eligible programs, coverage limits, deductibles, waiting periods and additional features.
NFIP Availability
A standardized federal flood insurance option for eligible participating communities.
Private Market Flexibility
Private carriers may offer different limits, forms, deductibles and optional benefits.
Side-by-Side Review
Price is important, but limits, exclusions and claims provisions also deserve attention.
NFIP
Standardized flood insurance offered through the National Flood Insurance Program.
- ✓ Standard policy forms
- ✓ Broad community availability
- ✓ Lender-recognized coverage
- ✓ Defined program limits
Private Flood
Carrier-specific products that may provide alternative or expanded coverage features.
- ✓ Different limit options
- ✓ Additional benefits may be available
- ✓ Carrier-specific underwriting
- ✓ Flexible deductible structures
Flood coverage may not begin immediately.
Waiting periods vary by program, carrier and transaction. Do not wait until severe weather is approaching to begin reviewing coverage.
Some property may be excluded or subject to special limits.
Flood insurance is valuable protection, but it does not cover every item, expense or circumstance.
Currency and Valuable Papers
Money, precious metals and certain valuable documents are generally not treated like ordinary household contents.
Vehicles
Licensed vehicles and other motorized property generally require separate insurance.
Outdoor Property
Landscaping, decks, fences, patios and certain exterior property may have limited or no coverage.
Pools and Related Equipment
Swimming pools, hot tubs and related exterior equipment may not be covered.
Land
Flood insurance protects eligible insured property rather than the land itself.
Business Income
Lost income and continuing expenses may require specialized commercial coverage.
Flood protection for homes and businesses.
Coverage availability depends on property characteristics, occupancy, location, construction and underwriting requirements.
Residential Properties
Explore eligible building and contents protection for your primary residence, seasonal home, rental property or condo.
Commercial Buildings
Building and business contents protection for eligible commercial locations.
Commercial flood quoteRental Properties
Coverage options for eligible tenant-occupied residential buildings and owner interests.
Review rental coverageCondominium Units
Personal contents and interior building coverage may be available for qualifying condo owners.
Review condo coverageRetail and Offices
Commercial building and contents options for eligible shops, offices and service businesses.
Request business optionsInsurance is one part of a complete readiness plan.
Prepare your household, preserve important information and take reasonable steps to reduce damage before severe weather arrives.
Never place yourself in danger to protect property. Follow official emergency instructions and prioritize personal safety.
Do not enter moving flood water or a flooded structure when electrical, structural or contamination hazards may be present.
A clear claims process starts with good documentation.
Report the loss promptly, preserve evidence and follow the carrier’s instructions. Do not discard damaged property until authorized unless it presents an immediate health or safety risk.
Prioritize Safety
Follow emergency guidance and avoid unsafe water, electrical and structural conditions.
Report the Loss
Contact the carrier or claims administrator as soon as reasonably possible.
Document the Damage
Take clear photographs and videos before moving or disposing of damaged property.
Prevent Further Damage
Complete reasonable emergency measures and retain invoices, receipts and related records.
Work With the Adjuster
Provide requested documents and make the property available for inspection.
The right property details help us review the right options.
Requirements vary, but providing complete information can make the quoting process faster and more accurate.
Flood Quote Information
Flood coverage with local guidance behind it.
Our team helps property owners understand available options, compare coverage features and complete the application process.
Multiple Flood Markets
We can review eligible NFIP and private flood options based on the property.
Responsive Service
Receive help gathering information, reviewing quotes and addressing underwriting questions.
Claims Guidance
Our team can help direct you to the correct reporting resources after a loss.
Coverage Reviews
Review limits, deductibles and policy options as your property and needs change.
Protect your property before the next storm arrives.
Send us your property information and let our team help you review available flood insurance options.
Answers to common flood coverage questions.
Policy terms vary. Speak with a licensed representative for guidance related to your property and coverage.
Does homeowners insurance cover flooding?
Standard homeowners policies generally treat rising surface water differently from sudden internal water damage. A separate flood policy is typically used for eligible flood losses.
Is flood insurance required?
A lender may require flood insurance depending on the property, mapped flood zone, loan and lending guidelines. Property owners may also purchase coverage voluntarily.
Can I buy flood insurance in Zone X?
Coverage may be available in Zone X. Being outside a higher-risk mapped area does not mean that flooding cannot occur.
What does building coverage protect?
Building coverage may protect qualifying structural components, permanently installed equipment, electrical systems, plumbing systems and other covered property.
What does contents coverage protect?
Contents coverage may protect qualifying movable personal property, including furniture, clothing, electronics and certain household items.
Is storm surge covered?
Eligible flood damage caused by storm surge may fall under flood insurance, subject to the policy definition of flood, exclusions and other terms.
What is an elevation certificate?
An elevation certificate records certain building and elevation information. It may be used for underwriting, rating or floodplain management purposes.
Do I need an elevation certificate?
Not every quote requires one. The need depends on the property’s characteristics, policy program and carrier requirements.
Does coverage begin immediately?
Flood policies may have a waiting period. The effective date should be confirmed during the application and binding process.
What is private flood insurance?
Private flood insurance is offered by private insurance carriers rather than through the NFIP. Features and underwriting rules vary by carrier.
What is the NFIP?
The National Flood Insurance Program is a federal program that makes standardized flood insurance available in participating communities.
Is private flood insurance accepted by lenders?
Acceptance depends on the lender and whether the policy satisfies applicable requirements. Confirm acceptance with the mortgage company before binding.
Does flood insurance cover a temporary hotel?
Additional living expense coverage is not included in every flood policy. Certain private products may offer it, subject to their terms.
Is my swimming pool covered?
Swimming pools, hot tubs and related exterior property are commonly excluded or limited. Review the policy carefully.
Does flood insurance cover mold?
Mold coverage may be limited and can depend on whether reasonable steps were taken to prevent further damage after the flood.
Can renters purchase flood insurance?
Eligible renters may be able to purchase contents-only flood insurance for qualifying belongings.
Can businesses purchase flood insurance?
Flood insurance options may be available for eligible commercial buildings and business contents.
How much does flood insurance cost?
Pricing depends on factors such as location, construction, elevation, occupancy, limits, deductibles, prior losses and the selected insurance program.
Coverage descriptions are provided for general informational purposes only and do not amend, extend or replace the terms of any insurance policy. Coverage is subject to eligibility, underwriting approval, policy forms, limits, deductibles, exclusions, waiting periods and carrier requirements. Consult the issued policy for complete terms and conditions.