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Flood coverage is generally excluded on the basic
homeowners policy. However, some homeowners policies provide
coverage for backup of sewers and drains that cause flooding
in your basement. This coverage can be purchased for a nominal
premium. You should check with your agent to see if this
coverage is provided and how much it costs.
If,
however, you live in a flood-prone area, you should consider
and may be required by your lending institution, to purchase a
flood insurance policy. Your agent should be able to inform
you about the Federal Flood Insurance Plan and the exclusions
and limitations of coverage in this policy.
Source: Massachusetts Department of Insurance
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