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Deluxe Insurance Group

4515 E Superior St
Duluth, MN 55804

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How Do Flood Insurance and Flood Endorsements Differ From Each Other?

Deluxe Insurance Group in Duluth, MN can help residents with many different types of insurance, including home insurance and flood insurance. One of the questions that we are often asked is how flood insurance and flood endorsements differ from each other, and which is ideal for homeowners to have when it comes to flooding and insurance.

Here are the differences and similarities between flood insurance and flood endorsements:

What Is a Flood Endorsement? 

A flood endorsement is essentially an extension of your existing home insurance policy that states that the policy will cover floods. Most home insurance policies preclude flooding unless you have this type of extension on the policy. 

What is Flood Insurance? 

The majority of home insurance policies preclude flooding from their policies. As such, most homeowners need to purchase a separate flood insurance policy. Flood insurance helps to protect your home and your belongings against flooding that can occur due to heavy rains. If your home insurance policy precludes flooding and you do not have a separate flood endorsement, you must purchase a flood insurance policy or you are not covered in the event flooding occurs. 

Is a Flood Endorsement or Flood Insurance Better? 

Both flood endorsements and flood insurance help to protect against flooding. And there are pros and cons to both options. However, not every insurance company offers flood endorsements for their home insurance policies. If yours does not, flood insurance is the best way to protect your home and belongings against flooding. 

If you are looking for a homeowners insurance policy with a flood endorsement, or you are looking for a standalone flood insurance policy, Deluxe Insurance Group, serving the greater Duluth, MN area, can help you. Reach out to us today and let us help you find the right insurance products for your needs. 

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