What type of insurance would you typically need to cover damage from a flood?

Flood insurance is specifically designed to cover damage caused by flood events. Standard homeowners insurance typically does not include coverage for floods, which means that if a flood were to occur, homeowners can find themselves financially vulnerable without that specialized protection. Flood insurance provides a safety net for property owners, ensuring that they can repair or replace damaged structures and belongings after experiencing flood-related damages.

In contrast, earthquake insurance protects against damages caused by earthquakes, which is a different natural disaster with its own specific risks. General liability insurance, on the other hand, focuses on protecting against claims of bodily injury or property damage to third parties, which does not extend to cover personal property losses caused by natural disasters like floods. Thus, the need for distinct flood insurance arises from the unique risks associated with flooding, confirming that it is the correct choice for protecting against such risks.