Skip to main content
A photo of the exterior of a large, luxury home with a flooded front yard.

Flood Insurance

Whether you live on the coast, lakeside or inland, flooding can happen anywhere

FIND A BROKER

Flooding is the most common natural disaster, yet damage from heavy rain, rapid snowmelt and poor drainage is not covered by a traditional homeowners policy. 

Our primary flood coverage is an optional endorsement on our homeowners policy. It provides higher limits than what is offered by the National Flood Insurance Program (NFIP) to ensure your home can be rebuilt to its same likeness despite rising construction costs, includes coverage for your basement and can be tailored to meet your unique needs. 

Talk to your broker or find a broker in your area to see if our primary flood coverage or other flood options are available in your state. 

Benefits of our primary flood coverage

*Coverage not available in all states.

It's important to consider flood coverage, no matter where you live

Flooding is no longer confined to areas historically known for flood risk. Areas once considered low-risk are now experiencing devastating flooding due to shifting weather patterns, rising sea levels and changing infrastructures and terrain. In fact, FEMA reports that about 40% of NFIP flood claims come from outside of “high-risk flood zones.”

Dsaad insitu

"People tend to underestimate their flood risk. There is an assumption that unless a home is near a major body of water, its flood risk is low. Unfortunately, history has proven this to be untrue. Since 1980, 46 states have experienced a billion-dollar flood event."

– Drew Saad, Head of Underwriting

Excess flood coverage that protects up to the full value of your home

While our primary flood coverage provides high limits to protect your home and belongings, you can also choose to purchase excess flood coverage for added protection. This can be especially important if you live in an area that is at a high risk for flooding or if the value of your home and belongings is not fully covered by your primary policy.

Water Mitigation

Claim Scenarios: What does PURE’s flood policy cover?

This is a carousel with slides. Use Next and Previous buttons to navigate.

    Storm surge during a hurricane 

    A beachfront home is hit by a hurricane. Although the structure withstands the powerful winds, a storm surge causes several feet of saltwater to flow into the above-grade first floor, damaging floors, cabinetry, electrical systems and personal belongings. 

    PURE’s flood policy would cover the structural damage to the home and major systems (like electrical and HVAC), debris removal and drywall replacement, as well as eligible personal property for the first floor and above, up to the policy limits.1 

    Flash flood from heavy rain 

    A sudden and intense thunderstorm drops several inches of rain in just a few hours. The municipal drainage system is overwhelmed, and water flows downhill, entering a home’s basement through ground level windows, resulting in soaked walls, flooring and stored items. Coverage for basements can be quite limited with many flood policies. However, PURE’s policy provides broader coverage for basements, including structural elements (like walls, floors and staircases) and essential systems. It also provides coverage for personal belongings and most finishes, like carpeting or moldings. 

    River overflow after snowmelt 

    Following an unusually warm spell, rapid snowmelt causes a nearby river to overflow. Water surrounds and enters a home, causing damage to the flooring and interior walls. PURE’s flood policy would cover direct physical loss caused by the river overflow, including damage to both the above-grade structure and eligible contents. 

Ready to get a quote?

  • Request a Quote

    Fill out a quick form to request a quote for high value home insurance
    REQUEST QUOTE

  • Find a Broker

    Contact an independent broker for a quote with PURE
    FIND BROKER