No. Standard homeowners policies do not cover flood damage. A separate flood insurance policy is required.
Flood damage can strike unexpectedly—and standard homeowners insurance typically doesn’t cover it. With Flood Insurance from Tram’s Insurance, you’ll gain reliable protection against water-related damage caused by heavy rain, hurricanes, melting snow, or rising rivers.
Coverage Beyond Homeowners Insurance – Standard policies usually exclude flood damage.
Financial Security – Helps cover repair and replacement costs for your home and belongings.
Peace of Mind – Whether you live in a designated flood zone or not, protection means you’re prepared.
Structural damage to your home
Electrical and plumbing systems
Appliances and flooring
Personal belongings like furniture, electronics, and clothing
Cleanup costs after a flood
Homeowners in high-risk flood areas (often required by mortgage lenders)
Residents in moderate-to-low risk areas where flooding is still possible
Business owners who want to protect property and assets
Turning your worry into peace of mind.
Insurance options made simple.
No. Standard homeowners policies do not cover flood damage. A separate flood insurance policy is required.
If you live in a federally designated high-risk flood zone and have a mortgage, your lender will typically require flood insurance. Even if you’re not in a flood zone, coverage is still strongly recommended.
Costs vary based on your location, flood risk, and property value. Tram’s Insurance will help you find a plan that fits your budget while ensuring strong protection.