Flood Insurance in Utah

Families trust G&G because we are the only full-service agency that saves you time and money, offers comprehensive coverage made easy, and proven, best-in-class service.

Do you know the scene from Titanic where water rushes down the stairs, filling the lower decks? Horrifying image. No one wants to think of this ever happening to their home, but according to the National Severe Storms Laboratory (NSSL), floods are the most common natural disaster. Floods very quickly and easily cause a lot of damage. This makes having flood insurance in Utah extremely important.

But you have homeowners insurance. So, you’re covered, right? You might be surprised to learn that most homeowners insurance doesn’t cover floods. Homeowners insurance often covers water damage, but that is internal only, caused by things like burst pipes. Flooding caused by storms is unfortunately not included in this definition. 

But that doesn’t mean you have to live in perpetual fear of a flood and the associated costs! Affordable flood insurance in Utah is available. So while flood insurance may not have saved the Titanic, it could save you.

Do I Need Flood Insurance in Utah?

Floods can be devastating, wiping out not only the home you live in but all of your valuables and sentimental items. When sorting through the havoc caused by a flood, the last thing you want on your mind is how much this is going to cost you. Even a small amount of flooding in your basement can cost far more than you’ve bargained for if it affects the foundation or structure of your home.

Don’t wait until a flood happens to consider insurance. Flood insurance policies in Utah almost always come with a 30-day waiting period between purchasing the insurance and being allowed to make a claim. 

What Does Flood Insurance Cover in Utah?

When you look at your homeowners insurance, you’ll often notice you’re covered for water damage. This is any damage to your home and the items in your home caused by water from pipes. Flood insurance typically covers the same things, but when the water damage is caused by water that has entered your home from the land. This usually means it’s seeping through the foundation after being on land. 

Flood insurance can cover:

  • Your home (the building, foundation, plumbing, electrical, flooring, etc.)
  • Your property (the items inside your home like furniture, electronics, water heaters, appliances etc.)
  • Reimbursement of work done to salvage and clean up your home

    Standard policies are often limited to $250,000 for the building and $100,000 for its contents, though additional coverage can be added. Policies can also be built to cover only the building, only the contents, or both. Contact G&G Independent Insurance to create your custom flood insurance policy. 

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    Does My Home Insurance Cover Flooding in Utah?

    As previously mentioned, home insurance almost never includes flood insurance. Rather, homeowners insurance covers only water damaged caused by internal factors. This leaves your home unprotected from any flooding caused by storms, snowmelt, or other natural disasters.

    Home insurance covers a great deal. Some plans cover things such as:

    • Structural damage
    • Content damage
    • Unattached Structures
    • Injuries of anyone on your property
    • Temporary living arrangements while repairs are being made
    • And more depending on the plans


    For more information on homeowners insurance, check out our page on home insurance coverage in Utah.  If you’re looking for more comprehensive home insurance or would like to compare insurance policies in your area, G&G Independent Insurance will collect the best, unbiased rates for you to choose from.

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    Where Can I Find Flood Insurance in Utah?

    If you’re looking for flood insurance, you’ve come to the right place. With our catalogue of 50+ insurance providers throughout Utah, G&G Independent Insurance is committed to helping you find the best coverage at a price that works for you. Our system is quick, easy, and allows you to instantly compare rates that cover your needs. 

    We’ll make sure you find an insurance policy that gives you peace of mind in no time. So don’t wait another day. Don’t let a flood sink you. Flood insurance will keep your finances afloat. 

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