All homeowner's policies exclude flood insurance. A separate policy must be purchased (which is a flood policy.) You can contact a local independent agent who can provide a quote for you. They should be able to provide a quote using your home address. Good luck.
Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
No homeowners insurance will cover flood. This is not to be mistaken with water damage that may occur from a broken pipe in the home or possible overflow from a dishwasher or washing machine. These type of things will be covered if you have a special form HO3 policy. But an actual flood caused by rising water is always excluded and you would need to purchase a flood policy.
Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
Flood damage is a standard exclusion found in all Homeowners policies. Unlike coverage for earth movement, or some limited coverage for water damage caused by the backup or failure of a sewer or drain system,which can be endorsed into the policy, the only way to obtain comprehensive coverage for flood damage is by purchasing a separate Flood Insurance policy.
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Best,
Josh DeBoer
jdeboer@fdands.com
fdands.com