What does Flood Insurance cover?

A flood policy protects your property from rising water and storm-related flooding that standard home or condo insurance doesn’t cover.

Building Coverage

Helps repair your home’s foundation, walls, flooring, electrical systems, and built-in appliances.

Personal Property

Covers furniture, clothing, electronics, and belongings damaged by rising water.

Replacement of Essential Systems

Includes items like water heaters, HVAC equipment, and sump pumps.

Temporary Living Costs (if added)

Some policies offer coverage for relocation or temporary housing after major flooding.

Cleanup and Debris Removal

Helps cover post-flood cleanup and safety restoration.

Who Should Consider flood insurance?

Homeowners, condo owners, and renters who want protection from water damage not covered by standard policies should consider flood insurance.

Lives in a Low- or Moderate-Risk Area

Most flood claims come from outside high-risk zones — risk exists everywhere.

Owns a Basement or Lower-Level Space

Even a few inches of water can cause costly damage to flooring, utilities, and mechanical systems.

Near Rivers, Lakes, or Poor Drainage Areas

Furniture, electronics, clothing, and valuables aren’t covered by the association.

Wants Protection Beyond Homeowners Insurance

Standard home, condo, and renters policies don’t cover flood damage — a separate policy is essential.

Looking for Affordable Peace of Mind

Flood insurance is often more affordable than expected, and policies typically carry a 30-day waiting period.

Let's get you a quote.

Already a client of Gaudette Insurance Agency, Inc.?
Visit our Client Service to make requests and manage your insurance.

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Protection That Helps You Weather the Unexpected

Flooding can happen anywhere — not just near rivers or coastlines.

What does Flood Insurance cover?

Ready to Review or Customize Your Coverage?

Whether you’re bundling policies, exploring new coverage, or just need a second opinion, we’re here to help.

Call Gaudette Insurance today to speak with a local agent, or request a personalized quote online.

Let's get you a quote.

Already a client of Gaudette Insurance Agency, Inc.?
Visit our Client Service to make requests and manage your insurance.

You're all set.

Experience the Value of an Independent Agency

We are licensed in CT, MA, ME, NH, RI, and VT.

Insurance Solutions

Client Services

Protection That Helps You Weather the Unexpected

Flooding can happen anywhere — not just near rivers or coastlines.

What does Flood Insurance cover?

Ready to Review or Customize Your Coverage?

Whether you’re bundling policies, exploring new coverage, or just need a second opinion, we’re here to help.

Call Gaudette Insurance today to speak with a local agent, or request a personalized quote online.

Let's get you a quote.

Already a client of Gaudette Insurance Agency, Inc.?Visit our Client Service to make requests and manage your insurance.

You're all set.

Experience the Value of an Independent Agency

We are licensed in CT, MA, ME, NH, RI, and VT.

Insurance Solutions

Client Services

Already a client of Gaudette Insurance Agency, Inc.?
Visit our Client Service to make requests and manage your insurance.