Homeowners flood insurance benefits or separate flood insurance policies help you repair or replace property and personal belongings if they are damaged or lost in a natural flood. (freewayinsurance.com)
For example, you may have to purchase separate flood insurance if your house sits in a flood - prone area. (trustedchoice.com)
Also, flood damage isn't covered by homeowners insurance, so if your new home is in a flood - prone area, you may want to buy separate flood insurance. (nerdwallet.com)