Start with the coverage gap
Most homeowners and renters policies do not cover flood damage. Separate flood insurance can address that gap, subject to the policy's definitions and exclusions.
Separate the building from your belongings
Building and contents coverage address different property. Under the NFIP, they are typically purchased separately and have separate deductibles. Ask which parts of your home and which possessions are included.
Ask about the details
Basement limitations, settlement terms, waiting periods, and temporary living expenses deserve specific attention. Obtain answers for the actual policy being offered.
Use our coverage checklist to organize that conversation, and your state guide for local context.
Official source
FEMA FloodSmart: buying a policy and understanding coverage. Reviewed October 11, 2026.