If you live on the coast, or near a lake or river, the need for flood protection may seem obvious. But dramatic weather patterns and land development are reducing the earth’s capacity for water absorption and increasing the risk of floods — even for homes that aren’t near water.

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 home

    Chubb 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 damage

    If 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 possessions

    Chubb 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 possessions

    In 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 flooding

    Additional 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 measures

    Coverage 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.
Chubb Tips
NFIP offers a maximum of $250,000 for your home and $100,000 for its contents.
Chubb offers a much higher total property coverage limit up to $15 million. Protection with Chubb means you have protection that goes above and beyond where others draw the line.

Chubb Flood Brochure
Chubb Flood Brochure
Protect your home with watertight coverage.

Related Products

From high-rise condos to historic buildings, we’ve got your home covered.
With our broad coverage and unparalleled service, you can trust Chubb to help protect your valuables.

Disclaimer: This information is descriptive only. All products may not be available in all jurisdictions. Coverage is subject to the language of the policies as issued.

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Tips & Resources

We help you stay ahead and informed with these helpful tips and tricks

Protecting Your Family and Home From a Flood
Flood damage can be mitigated if you and your family take precautionary measures. Here are some steps you can take before, during and after
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When a natural disaster gets close to your home and authorities recommend you evacuate, it’s important that you leave immediately. Here are