Personal Flood Coverage

While your property may not be in a flood zone, you're still at risk. Even normally dry areas of the country are experiencing floods and flash floods caused by rain like never before.

Central's Personal Flood Coverage is an endorsement that can be added to any eligible Central homeowners policy. It is designed for policyholders in low-to-moderate flood hazard areas outside of the wind and surge-exposed Atlantic and Gulf coastal areas and is available for owners, tenants, and condo forms.

This coverage protects you from the most common residential flood losses including:

  • Buildings, residence, and certain other structures (e.g. shed, pool house)
  • Contents and personal property, including those in a basement or sunken room (subject to sublimit)
  • Additional living expenses (subject to sublimit)
  • Debris removal
  • Property removed to safety (first 30 days)
  • Loss of use

Central's Personal Flood Coverage provides a broader definition of flood and coverage will be less restrictive than under the National Flood Insurance Program (NFIP). Personal Flood Coverage offers limits that are more in line with those needed by homeowners and renters in most areas of the country and premiums are competitively priced. Personal Flood Coverage is designed to be an endorsement to a homeowner policy, where the NFIP is a separate flood policy.

Coverage is available in $5,000 increments up to $100,000. Deductible options of $1,000, $2,500, or $5,000 can be selected based on limit of coverage. Premium for $5,000 of coverage with a $1,000 deductible can cost as low as $22 annually.
To learn more about Central's Personal Flood Coverage, contact your independent insurance agent.

Not all homes are eligible for this coverage and flood coverage is not available in Virginia. The coverages described above are in the most general terms and are subject to the actual policy exclusions and conditions. For specific coverage details and policy exclusions, refer to the policy itself or contact a Central agent.