Flood insurance covers direct physical damage caused by flooding to your home’s structure and, if you buy it, your personal belongings.
NFIP policies cover up to $250,000 for the building and $100,000 for contents on a single-family home.
- Building coverage: foundation, electrical and plumbing systems, HVAC, water heaters, built-in appliances, cabinets, flooring, and detached garages.
- Contents coverage: furniture, clothing, electronics, and portable appliances. This must be purchased separately.
- Not covered by NFIP: vehicles, which need auto Comprehensive coverage; temporary living expenses; money; and most items in basements.
Private flood policies may offer higher limits and additional living expenses, which can matter for higher-value California homes.
Questions about your own policy? Elye Insurance in Mission Viejo helps homeowners and drivers across California and Nevada compare options from multiple carriers.
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