Most typical homeowner policies don’t cover flood damage on their own. For water and flood damage, you’ll need an insurance solution that includes a separate flood policy.
Our Personal and Excess Flood Insurance is a better alternative to the National Flood Insurance Program (NFIP).
Higher limits for your high-value homeChubb Personal Flood Insurance can provide up to $15 million in total property coverage for your home and its contents.
Better protection where floods are likely to cause the most damageIf you have a finished basement that serves as a home theater, billiard room or other purpose, Chubb offers added protection in this damage-prone area where others may not.
You won’t have to wait
Chubb Claims Adjusters deliver a claims experience that gets you and your family back on your feet quickly.
More coverage for precious possessionsChubb offers higher-than-average limits for special possessions such as art, collectibles, jewelry and silverware, and even golf carts — $5,000 for each category.
Replacement cost for damaged property and possessionsIn many cases, standard flood policies won’t cover the full cost to repair or rebuild your home after a flood. Chubb will pay to replace your property and possessions (up to the limit on your policy) without deduction for depreciation, in the event of a covered loss.
Coverage if you must live away from home due to floodingAdditional living expense coverage pays up to $7,500 for a temporary residence, meals and other expenses you may incur if your home can’t be lived in during rebuilding or repairs after a covered flood loss. Higher limits are available for an additional premium.
Proactive measuresCoverage up to $5,000 is included for expenses to help protect your home from flood damage and to move your property out of harm’s way when a flood warning is issued.