Flood Insurance

  • Protect your home with flood insurance

If you live on the coast, or near a lake or river, we know how much being near the water means to you. That's why it's so important to protect your home from rising waters and flooding.

Most typical homeowners policies don’t cover flood damage on their own. Our Flood Protection protects your home from unexpected water damage and gets you and your family back on your feet quickly.

Flood Protection Highlights

Our Flood Protection goes above and beyond the National Flood Insurance Program by offering:

  • Up to $15 million in limits to protect your home and everything that makes it special
  • The full replacement cost to repair or rebuild your home and your possessions (up to the limit on your policy) after a flood without deduction or depreciation
  • Added protection in easily-damaged areas of your home, like if your finished basement is used as a TV room or in-home gym.
  • Higher limits for special possessions like art, collectibles, jewelry and silverware, up to $5,000 for each.
  • Additional living expense coverage up to $7,500 if you and your family need temporary accommodations, including meals and other expenses you incur if you can't live in your home during repairs
  • Coverage up to $5,000 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.

Related Resources

- Homeowner Product Page
- Homeowner Coverage Overview
- Catastrophe Assistance: Protecting Your Family and Home from a Flood

Helpful Tips

Visit the Catastrophe Center for valuable information that can help protect you from flood or other natural disasters. Learn more.


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.

1 Source:, 2/10  

2 Please check with your agent or broker on the availability of higher optional limits in your state.

When a leak in Paul’s kitchen required a complete renovation, Chubb was there every step of the way.
Click to see Paul's story