Coverage for the Disasters Your Home Policy Misses
Standard homeowners insurance does not cover flood or earthquake damage — two of the most financially devastating events a homeowner can face. We help you close that gap before disaster strikes.
Why You Need It
Floods and Earthquakes Are Excluded From Standard Policies.
Most homeowners don't realize their policy has these exclusions until they file a claim — and by then, it's too late. Separate flood and earthquake policies fill the gap.
Flood Insurance
Covers structural damage and contents loss from flooding — including storm surge, river overflow, heavy rain accumulation, and mudflow. Available through NFIP and private carriers.
Earthquake Insurance
Covers your dwelling, personal property, and additional living expenses if an earthquake damages or destroys your home. Essential in seismic zones — and increasingly available nationwide.
Dwelling & Contents Coverage
Both flood and earthquake policies can cover the structure of your home and your personal belongings — furniture, electronics, clothing, and more.
NFIP vs. Private Flood
The National Flood Insurance Program (NFIP) is the traditional option, but private flood carriers often offer higher limits, broader coverage, and faster claims processing.
30-Day Waiting Period
NFIP flood policies have a 30-day waiting period before coverage takes effect — so don't wait until a storm is forecast. Private flood policies may have shorter waiting periods.
Renters Can Get Coverage Too
You don't have to own your home to need flood or earthquake coverage. Renters can purchase contents-only policies to protect their belongings.
Coverage Comparison
NFIP vs. Private Flood Insurance
Both options have their place — we'll help you decide which is right for your property.
| Feature | NFIP (Federal) | Private Flood |
|---|---|---|
| Maximum building coverage | $250,000 | Up to replacement cost |
| Maximum contents coverage | $100,000 | Up to replacement cost |
| Waiting period | 30 days | As low as 10–14 days |
| Additional living expenses | Not covered | Often included |
| Basement contents | Limited | Broader coverage available |
| Availability | Most flood zones | Varies by carrier & zone |
"We bought our house in a low-risk flood zone and figured we didn't need flood insurance. Then a 100-year storm hit and we had 18 inches of water in our basement. RightQuote helped us get covered before the next storm season."
— Greg H.
"I live in California and never thought about earthquake insurance until a 5.8 hit near our neighborhood. Alex walked me through the CEA policy options and we got covered within the week."
— Linda S.
"I didn't know private flood insurance existed until RightQuote explained it. We got higher limits and better contents coverage than NFIP at a comparable price."
— Derek W.
Get Started
Get a Flood or Earthquake Quote
Tell us about your property and location and we'll find the right flood and earthquake coverage to protect what your homeowners policy leaves out.
Common Questions
Flood & Earthquake Insurance FAQ
Related Reading
Don't Wait for the Next Storm
Flood and earthquake coverage can't be added after a disaster is already on the way. Get covered today.