Homeowners and Commercial/Business policies do not cover flooding. Flood insurance is available to homeowners, business owners and renters. Homeowners, business owners and renters may purchase flood insurance for both a building and its contents.
There are limits to NFIP insurance. Homeowners can insure their home for up to $250,000 and its contents for up to $100,000. Renters can cover their belongings for up to $100,000. Nonresidential property owners can insure a building and its contents for up to $500,000 each.
