Personal Insurance · Because home insurance won't cover the flood
Flood Insurance
Reliable flood coverage for Michigan homes and businesses — inside and outside flood zones.
Just a few inches of water can cause tens of thousands of dollars in damage — and your homeowners policy specifically excludes flooding. A dedicated flood policy fills that gap.
You don't have to live on the water to be at risk: a large share of flood claims come from properties outside high-risk zones. We'll check your zone and quote the right protection.
What flood insurance can cover
Building property
Foundation, electrical and plumbing, HVAC, and built-in appliances.
Contents
Furniture, electronics, and personal belongings damaged by flood water.
Debris removal
Cleanup costs after flood water recedes.
Low-risk options
Affordable preferred-risk policies for homes outside high-hazard zones.
Who it's for
Any Michigan property owner — flood risk isn't limited to waterfront or designated flood zones.
Frequently asked questions
Is flood insurance different from water backup coverage?
Yes. Flood insurance covers rising external water; water backup (a home-policy endorsement) covers water that backs up through sewers or drains. Many homes need both — we'll explain which applies to you.
Is there a waiting period?
Flood policies typically have a 30-day waiting period before coverage starts, so it's important not to wait until a storm is in the forecast.
Related coverage
Home Insurance
Homeowners insurance that covers your dwelling, belongings, and liability — with replacement-cost limits that keep up with Michigan rebuild costs.
Learn moreLandlord & Rental Property Insurance
Landlord insurance protects rental dwellings, lost rental income, and your liability as a property owner — including vacant-property options.
Learn moreFarm Insurance
Farm insurance that protects your dwelling, barns, equipment, livestock, and farm liability in one tailored program.
Learn moreReady to protect what matters?
Get a free flood insurance quote and clear guidance from an agent who works for you.