--- title: Does my insurance protect my home and auto from a flood? description: Like many of you, I’ve been watching the TV coverage of Hurricane Sandy and wondering if insurance covers my home and auto from a flood. image: https://www.thesilverlining.com/hs-fs/file-16665982-jpg/images/bigstock-flooding-7627203.jpg --- [![West Bend Insurance](https://www.thesilverlining.com/hs-fs/hubfs/HS%20TEST%20LOGO.png?width=233&height=65&name=HS%20TEST%20LOGO.png "West Bend Insurance")](https://www.thesilverlining.com) ![toggle mobile navigation](https://www.thesilverlining.com/hs-fs/file-1692861603-png/images/nav-toggle.png) [![West Bend Insurance](https://www.thesilverlining.com/hs-fs/file-1696307430-png/images/logo-west-bend.png)](https://www.thesilverlining.com/) [Find An Agent](https://www.thesilverlining.com/find-an-insurance-agent) ![](https://www.thesilverlining.com/hs-fs/file-1738392330-jpg/images/banner-blog.jpg) # Does my insurance protect my home and auto from a flood? Posted by [Scott Stueber, CPCU, CISR, AAI](https://www.thesilverlining.com/westbendcares/blog/author/scott-stueber) on Oct 31, 2012 12:58:00 PM [![Share on facebook](https://www.thesilverlining.com/hubfs/social-icons/facebook-blue.svg) ](http://www.facebook.com/share.php?u=https://www.thesilverlining.com/westbendcares/blog/bid/163085/does-my-insurance-protect-my-home-and-auto-from-a-flood?utm_medium=social&utm_source=facebook) [![Share on linkedin](https://www.thesilverlining.com/hubfs/social-icons/linkedin-blue.svg) ](http://www.linkedin.com/shareArticle?mini=true&url=https://www.thesilverlining.com/westbendcares/blog/bid/163085/does-my-insurance-protect-my-home-and-auto-from-a-flood?utm_medium=social&utm_source=linkedin) [![Share on twitter](https://www.thesilverlining.com/hubfs/social-icons/twitter-x-blue.svg) ](https://twitter.com/intent/tweet?original_referer=https://www.thesilverlining.com/westbendcares/blog/bid/163085/does-my-insurance-protect-my-home-and-auto-from-a-flood?utm_medium=social&utm_source=twitter&url=https://www.thesilverlining.com/westbendcares/blog/bid/163085/does-my-insurance-protect-my-home-and-auto-from-a-flood?utm_medium=social&utm_source=twitter&source=tweetbutton&text=) [![Share on pinterest](https://www.thesilverlining.com/hubfs/social-icons/pinterest-blue.svg) ](http://pinterest.com/pin/create/button/?url=https%3A%2F%2Fwww.thesilverlining.com%2Fwestbendcares%2Fblog%2Fbid%2F163085%2Fdoes-my-insurance-protect-my-home-and-auto-from-a-flood%3Futm_medium%3Dsocial%26utm_source%3Dpinterest&media=) ![bigstock Flooding 7627203](https://www.thesilverlining.com/hs-fs/file-16665982-jpg/images/bigstock-flooding-7627203.jpg)We see the devastation and destruction caused by hurricanes and other storms each year. The amount of water a storm can produce can be significant. If your neighborhood is flooded, it's important to understand what insurance coverage may be available to you. Here are some questions I always think about when I watch TV coverage of a big storm.  1. Do the cars floating down the street have insurance coverage?  2. How does my insurance policy cover my home for flood damage? In doing some research, I did confirm that a car floating down the street has coverage if the owner carries “other than collision” or comprehensive insurance coverage on the policy. Some of the kinds of losses covered are: 1. Fire; 2. Theft; 3. Windstorm; 4. Hail, water, or flood; and 5. Vandalism. As for damage to your home or its contents caused by a flood, there is no coverage under a standard homeowners’ or renters’ insurance policy. So if you live near a body of water or in an area that occasionally floods, you should look into buying flood coverage from the National Flood Insurance Program. The National Flood Insurance Program (NFIP) was created by Congress in 1968 to help protect property owners from the financial devastation of a flood. Communities participating in this program must follow and enforce ordinances that meet or exceed Federal Emergency Management Agency (FEMA) requirements. To learn more about flood coverage, visit [www.floodsmart.gov](http://www.floodsmart.gov/). If you would like to learn more about what your insurance policy covers, you can contact your local independent agent. Do you have any suggestions or information you’d like to share? I’d love to hear from you. Please share them in the box below. *This article is intended for general educational and illustrative purposes only and should not be construed to communicate legal or professional advice. Further, this article is not an offer to sell insurance. Please consult with your licensed insurance agent for specific coverage details and your insurance eligibility. All policies are subject to the terms, conditions, limitations, definitions, and exclusions contained therein.* **Topics:** [Home Insurance](https://www.thesilverlining.com/westbendcares/blog/topic/home-insurance), [Auto Insurance](https://www.thesilverlining.com/westbendcares/blog/topic/auto-insurance) If you’re a content writer and would like to contribute to our blog, click [here](https://www.thesilverlining.com/content-contributor-agreement) to read our guidelines. ![Scott Stueber, CPCU, CISR, AAI](https://www.thesilverlining.com/hubfs/images/wbcares-Scott-Stueber1.jpg) #### Scott Stueber, CPCU, CISR, AAI Scott Stueber is a 26-year insurance veteran employed by West Bend since 1997. He holds a bachelor’s degree in marketing from the University of Wisconsin–Oshkosh. His insurance expertise is backed by several designations he’s earned over the years: Accredited Advisor Insurance (AAI), Certified Insurance Service Representative (CISR), and Chartered Property Casualty Underwriter (CPCU). He’s also a licensed insurance agent. Scott has been sharing his expert advice through the successful West Bend Cares blog since October 2012. He’s authored hundreds of helpful and relevant articles on a variety of topics including home, auto, and business insurance; claim prevention; and family safety tips. When he’s not creating content, Scott enjoys spending time with his family (including their lovable, orange tabby cat, Toulouse), traveling, riding his motorcycle, and playing Xbox. 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