Most typical homeowner policies don’t cover flood damage on their own. For water and flood damage, you’ll need an insurance solution that includes a separate flood policy.
Our Personal and Excess Flood Insurance is a better alternative to the National Flood Insurance Program (NFIP).
— Higher limits for your high-value home
Chubb Personal Flood Insurance can provide up to $15 million in total property coverage for your home and its contents.
— You won’t have to wait
Chubb Claims Adjusters deliver a claims experience that gets you and your family back on your feet quickly.
— Replacement cost for damaged property and possessions
In many cases, standard flood policies won’t cover the full cost to repair or rebuild your home after a flood. Chubb will pay to replace your property and possessions (up to the limit on your policy) without deduction for depreciation, in the event of a covered loss.
— Proactive measures
Coverage up to $5,000 is included for expenses to help protect your home from flood damage and to move your property out of harm’s way when a flood warning is issued.
— Better protection where floods are likely to cause the most damage
If you have a finished basement that serves as a home theater, billiard room or other purpose, Chubb offers added protection in this damage-prone area where others may not.
— More coverage for precious possessions
Chubb offers higher-than-average limits for special possessions such as art, collectibles, jewelry and silverware, and even golf carts — $5,000 for each category.
— Coverage if you must live away from home due to flooding
Additional living expense coverage pays up to $7,500 for a temporary residence, meals and other expenses you may incur if your home can’t be lived in during rebuilding or repairs after a covered flood loss. Higher limits are available for an additional premium.
NFIP offers a maximum of $250,000 for your home and $100,000 for its contents.
Disclaimer: This information is descriptive only. All products may not be available in all jurisdictions. Coverage is subject to the language of the policies as issued.