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The policy provides flood-only coverage for homes and personal property, protecting homeowners from flood risks not covered by standard homeowners or renters insurance.

As hurricane season begins, many insurance advisors are spending more time having flood conversations with homeowners living outside traditional coastal markets.

Even routine seasonal changes can create meaningful exposure in non-flood zones, making proactive education and coverage reviews key in the spring months.

Rainfall-driven flooding, overwhelmed stormwater systems and runoff from new development are increasingly common drivers of loss. Those realities do not always align neatly with boundary flood zones.

By tailoring flood coverage to a client’s actual risk and financial exposure, agents ensure they have the protection they need without the unnecessary costs.

As flood risk becomes more complex and less tied to traditional flood maps, agents play a key role in helping customers understand their real exposure.

The product covers any economic losses resulting from fluvial, pluvial and coastal flooding, and offers rapid payouts triggered by pre‑set conditions.

The endorsement is designed for homes outside historical high-risk flood zones and provides coverage for damage from flood waters or surface waters.

Proactive conversations with clients about catastrophe risks can surface potential coverage gaps and open the door to more forward-looking planning.

Coral reefs, mangroves, salt marshes and seagrass meadows can significantly reduce flood losses in coastal areas, according to a Swiss Re Institute analysis of data.