Most homeowners, condo, and renters policies do not cover flood damage. Enter your address below to see flood coverage options for your home, condo, or business in minutes — no phone call required. If you would rather talk it through first, we will, in the language you prefer.
English · Español · PortuguêsType the property address and follow the steps. The quote tool is run by Neptune Flood, a private flood insurance provider Prevent works with, and it opens on preventinsurance.com so you can come back to us with questions at any point.
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Open the flood quote tool ↗The address and any details you enter in the quote tool go to Neptune Flood and are handled under Neptune's own privacy policy, not Prevent's. Any quote, price, or policy shown comes from Neptune and its insurers, not from Prevent Insurance Agency. Prevent is an independent agency and may be paid a commission if you buy a policy through this tool. Coverage is bound only when confirmed in writing by the insurer.
Flood is the one major cause of loss that your property policy almost certainly leaves out. These are the facts that decide whether a flood policy is right for you — each with its source.
Floods are not covered under standard homeowners and renters policies. Flood insurance is a separate policy, and building and contents coverage are usually sold separately.
Source · Insurance Information Institute · FEMA FloodSmartA lender requires flood insurance in a high-risk zone, but water does not read maps. Check your official FEMA zone, then check the forward-looking Flood Factor for the same address before you decide.
Check · FEMA Flood Map Service Center · First StreetA National Flood Insurance Program (NFIP) policy has a 30-day waiting period before it takes effect. Private flood policies set their own; the quote tool shows the effective date before you buy.
Source · Insurance Information InstituteNFIP residential coverage is capped at $250,000 for the building and $100,000 for contents, with contents paid at actual cash value. Private and excess flood policies can go above those limits.
Source · Insurance Information InstituteThe best flood claim is the one you never file. A sump pump with battery backup, a water sensor at the lowest point of the building, utilities raised off the basement floor, and clear gutters and drains cut both the chance and the size of a loss. We keep a vetted list of the devices that do this well.
Last reviewed 2026-11-04 · Educational only — not a substitute for your policy terms or professional advice.