Flexible Flood Coverage Options
Safeguard Your Property With Trusted Flood Coverage
- Structural Damage Protection: Covers repair costs for your home after flooding in Delaware County and Springfield.
- Personal Belongings Coverage: Safeguards furniture, appliances, electronics, and valuables from flood damage.
- Financial Security Against Flood Losses: Helps prevent costly out-of-pocket expenses after a flood.
- Trusted Carriers & NFIP Access: Policies offered through Assurant Flood and the National Flood Insurance Program.
- Flexible & Affordable Plans: Tailored coverage to meet your risk level and budget.
- Peace of Mind: Know your home and property are protected from rising waters.
- Expert Guidance & Free Review: Our team explains options and helps you choose the right coverage.
What Flood Insurance Covers That Home Insurance Doesn't
Standard home insurance does not cover damage from rising water, that's where flood insurance comes in as a separate, dedicated policy. A flood insurance policy through the National Flood Insurance Program (NFIP) covers your building (foundation, walls, electrical, HVAC, appliances) and your contents (furniture, clothing, electronics) up to selected limits. The biggest catch: flood insurance has a 30-day waiting period before coverage takes effect, so buying after a storm warning is too late. Many Springfield, PA homeowners outside high-risk zones still buy flood insurance because most flood claims happen in low- and moderate-risk areas. Want to see what NFIP coverage costs for your address and flood zone? Get a quote today.
Prepare for the Unexpected
Flood damage isn’t covered by standard policies, but you can protect your property and belongings with affordable flood insurance. Learn more today.
Flood Insurance FAQs
Does homeowners insurance cover flooding?
No. Flood damage from outside water — storm surge, overflowing creeks, heavy rain runoff — is excluded from standard homeowners, condo, and renters policies. You need a separate flood policy.
Is flood insurance required in Pennsylvania?
If you have a federally backed mortgage and your home sits in a FEMA high-risk flood zone, your lender will require it. But about 25% of flood claims come from outside high-risk zones, so it’s worth considering even when it’s not required.
Is there a waiting period for flood insurance?
Typically 30 days for NFIP policies before coverage takes effect, with limited exceptions like a new mortgage closing. Don’t wait for a storm in the forecast — by then it’s too late.
What does flood insurance cover?
Building coverage (structure, systems, built-in appliances) and contents coverage (your belongings) are purchased separately, each with its own limit and deductible. Basement coverage is limited, so ask us what is and isn’t included.
How do I find out my flood zone in Springfield, PA?
We can look up your address on the current FEMA flood maps and tell you your zone, whether your lender will require coverage, and what a policy would cost. Call 610-484-5557 or use the form on this page.