Fireman's Fund addresses the growing need for homeowners coverage in this area with a comprehensive endorsement to our Prestige Home Premier policy.

With our Surface Water/Flood Damage endorsement, you get:

• High coverage limits -- these can go as high as the limits on your Prestige Home Premier policy.
• Broader coverages than provided by the National Flood Insurance Program and other carriers.
• Coverage for finished basements and other structures (detached garages, guest houses, boat houses, gazebos, etc.).
• Reimbursement up to $10,000 for loss avoidance supplies and labor (such as sandbags). 
• Business property loss limits to $10,000.
• Seamless claims handling -- which is especially helpful when a single event causes multiple types of damage to your home. You also don't have to pay out-of-pocket for repairs and then submit receipts for reimbursement, as the NIFP and certain other carriers require.
• Be sure to inventory your possessions and valuables with Why Take an Inventory (pdf).

Is your home at risk for flooding? Try the interactive flood risk scenarios from the Federal Emergency Management Agency (FEMA).

Contact an independent agent for more information.

These descriptions of coverage are abbreviated and are subject to the terms, conditions and exclusions of the actual policy, which forms the contract between the insured and the insurance company. Available coverages, credits and options may vary by state.