Flood Insurance
Protect Your Home from Costly Water Damage
Add Flood Protection to Your Home Insurance
Did you know that most standard homeowner’s or renter’s insurance policies don’t cover flood damage? It’s a common misconception — and a costly one. In fact, FEMA reports that over 20% of flood claims come from properties in low- to moderate-risk areas. The truth is, flooding can happen anywhere, and having the right coverage can save you from unexpected financial stress.
What Does Flood Insurance Cover?
Flood insurance adds an essential layer of protection against water damage caused by:
Heavy or prolonged rainfall
Storm surges and overflowing rivers
Rapid snowmelt
Blocked or overwhelmed drainage systems
Without flood coverage, the cost of repairs and replacements after these events falls entirely on you.
Flood insurance is generally divided into two main categories — Building Coverage and Contents Coverage:
Building Coverage Includes:
Foundations and structural walls
Electrical and plumbing systems
Water heaters, furnaces, and built-in appliances
Permanently installed flooring and carpeting
Contents Coverage Includes:
Furniture and personal belongings
Clothing and electronics
Portable appliances (like microwaves and window A/C units)
Washers, dryers, and kitchen equipment
The True Cost of Flood Damage
Water damage can strike fast — and when it does, repairs often mean full replacements. From drywall and flooring to furniture and electrical systems, floodwater can render everything unusable due to mold, mildew, and contamination risks.
Even just a few inches of flooding can lead to tens of thousands of dollars in repair and replacement costs.
Request a Flood Insurance Quote
Protect your property, valuables, and peace of mind with a flood insurance policy that fits your needs. Our team works with top providers to help you find affordable coverage and ensure your home stays protected — rain or shine.
Understand Your Flood Risk
Some lenders require flood insurance based on your home’s location in designated flood zones. However, even homes outside high-risk areas can experience flooding during storms or drainage issues. It’s important to assess your risk and stay prepared before disaster strikes.
FreqUEntly asked questions
How is my premium determined, and what factors affect the cost?
Your premium is based on a few key factors: the amount of coverage you select, the level of risk associated with what you are insuring (e.g., your driving history, home's age, or health profile), and your deductible amount. Choosing a higher deductible typically lowers your monthly premium, as you take on more risk before the insurance pays out.
How do I file a claim, and what documents do I need to speed up the process?
You can typically file a claim directly through our website, mobile app, or by calling our 24/7 claims line. To speed up the process, you should immediately gather photos of the damage, police reports (if applicable), and detailed receipts or records of the items involved.
What is the difference between my deductible and my premium?
Your premium is the recurring amount you pay (usually monthly or annually) to keep your insurance policy active. Your deductible is the amount you agree to pay out-of-pocket before your insurance coverage starts paying for a covered claim.
At Squirrel Insurance, we understand the instinct to protect what's most precious: your family's future. Like a busy squirrel planning for winter, we help you secure your financial safety net.