Flood insurance is a type of property insurance that covers your home for losses sustained by water damage specifically due to flooding. Floods may be caused by heavy or prolonged rain, melting snow, coastal storm surges, blocked storm drainage systems, or levee dam failure.

Wind Insurance is additional coverage coastal homeowners must add to their insurance policy to cover damage from hurricanes, windstorms, and hail in some cases. The deductible on a wind insurance policy is usually percentage-based.