Your Home Insurance Doesn’t Cover Floods — This Does
The Pacific Northwest is beautiful — but the rainy season is real. And if your home floods, your standard homeowners policy won’t pay for it. Flood damage is specifically excluded from most home insurance policies and must be purchased separately.
According to FEMA, floods are the nation’s #1 natural disaster — and just one inch of water can cause approximately $25,000 in property damage.
What Does Flood Insurance Cover?
Property Coverage
- Foundation, walls, and structure
- Electrical and plumbing systems
- HVAC equipment (furnaces, water heaters, central air)
- Appliances (refrigerators, stoves, dishwashers)
- Attached flooring (carpeting, tile, hardwood)
- Built-in cabinets and bookcases
Contents Coverage
- Personal belongings (clothing, furniture, electronics)
- Window treatments (curtains, blinds)
- Portable appliances
- Area rugs
- Artwork and valuables (up to policy limits)
Who Needs Flood Insurance?
Even if you’re not in a high-risk flood zone, flooding can happen anywhere it rains heavily. Washington homeowners in low-to-moderate risk areas are eligible for lower-cost policies — and the investment is far smaller than the alternative.
Don’t Wait for a Storm Warning
Flood insurance policies typically have a 30-day waiting period before coverage takes effect. Don’t wait until a storm is on the forecast.
Get a Free Quote
Call (206) 402-6793 or fill out the form to explore flood coverage options.
Frequently Asked Questions
Does my homeowners insurance cover flood damage?
No — flood damage is excluded from standard homeowners and renters policies. It is covered under a separate flood policy, either through the National Flood Insurance Program (NFIP) or a private flood insurer, both of which we can quote for you.
Do I really need flood insurance in Washington?
Flooding is one of the most common natural disasters in the Pacific Northwest, and much of it happens outside official high-risk zones. If your property sits in a designated flood zone, your lender will usually require coverage — but even in lower-risk areas, a single inch of water can cause tens of thousands of dollars in damage.
How soon does flood insurance take effect?
NFIP flood policies typically have a 30-day waiting period before coverage begins, so it is important not to wait until a storm is in the forecast. We recommend putting coverage in place well ahead of the rainy season.
What is an independent insurance agent?
An independent insurance agent works with multiple insurance carriers — not just one. That means we can shop the market on your behalf and find the coverage that best fits your needs and budget, rather than being limited to a single company’s products.
How much does it cost to get a quote?
Nothing — quotes are always free and there is no obligation. Because SafeInsure is an independent agency, we shop your coverage across multiple top-rated carriers and bring you the options that fit your needs and budget. You can request a free quote online or call us at (206) 402-6793.
Do you speak Vietnamese?
Yes. SafeInsure is a woman-owned agency that serves the Seattle and Washington community in both English and Vietnamese, so you can review your coverage and ask questions in the language you are most comfortable with.