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Insure your home from risk of flood damage

Standard homeowners policies generally cover water damage from sources inside the home – like a burst pipe. But those policies typically exclude damage from water sources outside the home – like overflowing streams inundating a basement. That’s where flood insurance can help.


Understanding your flooding risk

A “flood” doesn’t result only from a natural disaster. It typically includes water from

any external source that makes its way into your home. Flood damage isn’t always

tied to widespread extreme weather events such as named storms. It could include

water coming into your home from a variety of external localized sources – like

rainwater runoff that accumulates too quickly.

Obvious risks:

• Living near the coast

• Home in a flood zone

• Located somewhere with heavy rain

Homes may also be at risk for flooding if:

• There is construction or development in your neighborhood

• Your property or neighborhood is mostly pavement

• Your home is on an incline

• You don’t live at the highest point in your area

You may believe you don't need flood insurance

When successful individuals hear “flood” they may first think of an extreme natural disaster that brings a brings a deluge of water — leading many to believe they don’t need flood insurance. In reality, a significant percentage may be at risk for loss or damage from flooding.


Choose total water coverage

Floods, or any extreme weather event, can happen anywhere, whether you live in an ocean front property, near a lake or river, or somewhere inland. Though not always top of mind, it is important to understand that the risk of flood damage is real.

Property coverage

Get up to $15 million in total property coverage for your home and contents.*

Basement coverage

For your basement we will automatically cover possessions like televisions, pool tables and exercise equipment, up to $15,000.

Temporary expense

Up to $7,500 for a temporary residence, meals, and other expenses if you can’t live in your home during repairs.

Safely move your belongings

Reimbursement for up to $5,000 to safely move your valuable belongings or safeguard your home in a flood warning area.

*This exceeds the $250,000 limit for homes and $100,000 limit for contents offered by the National Flood Insurance Program.


Understanding Risk

Even if your don’t live near water, protecting their home from unexpected flooding is important.

A homeowner’s policy isn’t enough, which is why we provide the added protection they need with a separate flood policy.


Flood is the most common 

and devastating natural 

disaster in the U.S.*

1 inch

Of flooding in your home 

can cost $25,000 or more of 

damage to your home**


Of natural disasters in the 

U.S. involve flooding ***


Average Chubb flood claims 

payout †




**FEMA Estimated Flood Loss Potential

***National Insurance Commissioners Association. "Flood Insurance Basics"

† Chubb Personal Risk Services Flood Claims since 2014

Comprehensive protection
Comprehensive protection

Why choose Chubb for your flood coverage

Our broad coverage includes flood, mudslides, sewer backup, and underground water, with limits as high as $15 million for home and contents, with more for basements.

We’ll reimburse your clients for up to $5,000 to safely move your valuable belongings out of a flood warning area, or to safeguard their home from an imminent flood.

In 98% of all Chubb claims, our Claims Adjusters make contact within six hours or less of the initial report. They have the authority to pay claims but can’t deny a claim without a manager’s approval.

A full 96% of Chubb clients who have had a claim paid are highly satisfied with their experience. That’s because we do more -- like paying up to $7,500 for a place to stay while renovations are happening.