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Renew flood insurance to protect your things.

Don't wait until flooding is in the forecast. Renew your coverage to stay protected from flood damage caused by hurricanes, melting snow, rain and other events.

Renew my policy for flood insurance

Why should I renew my policy?

Even if you haven't experienced a flood in the past, it doesn't mean you won't in the future. Remember, all it takes is a few inches of water to cause thousands of dollars in damage and repairs.

The benefits of your flood policy

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You made a smart move by purchasing flood insurance through USAA.

And even if you made it through the year without a flood, you should remember that every home is at risk of flooding.

Even if your house is in a "low-risk" flood zone, "low-risk" does NOT mean "no risk."

In fact, more than 25% of flood claims are from moderate or low-risk areas.

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In the past five years, all 50 states have experienced a flood or flash flood. Yet, only 27% of those with homeowners insurance said they also have flood insurance.

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Have you thought about how much a flood could cost you? Just a few inches of water in your home can cost tens of thousands of dollars.

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Your current policy is expiring soon, so renew your coverage by paying your bill now.

That way, you don't have to worry about it later.

Then you'll be able to continue your protection and rest easy…even if flooding's in the forecast.

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Flood insurance renewal FAQ

Flood insurance doesn't usually renew automatically. If you have coverage through NFIP, you’ll receive a bill 50 days before your policy expires. To keep your coverage, you’ll need to pay your bill in full.    

Yes. You need flood insurance that covers your belongings in your rented home or storage unit. Flood coverage usually doesn't come standard with renters insurance, but it's included with a USAA Renters Insurance policy.

Yes. Rising water, or floodwater, coming from outside your property can cause flood damage.

Water damage could be from a burst pipe or rainwater coming in through a hole in the roof. It's damage unrelated to outside floodwaters.

Don’t wait for a storm to hit to renew your coverage.

Renew your flood insurance policy today to protect your home and belongings before floods arise. 

Renew my policy for flood insurance

Related footnotes:

  1. Membership eligibility and product restrictions apply and are subject to change.

  2. The National Flood Insurance Program is not underwritten by United Services Automobile Association (USAA) or its affiliates based in San Antonio, Texas, and is provided by USAA General Indemnity Company (USAA-GIC), through an arrangement with the Federal Emergency Management Agency. The Federal government has financial responsibility for underwriting losses. The National Flood Insurance Program USAA-GIC is not available in Guam, U.S. Virgin Islands, Puerto Rico or overseas.

    The typical homeowners or rental property insurance policy doesn't include flood coverage, and in some locations, you may also need to obtain a wind-only insurance policy. Flood insurance can be purchased separately through the National Flood Insurance Program. The maximum limits of coverage available on the federal flood policy for residences are $250,000 on the building and $100,000 on contents. If you need additional flood insurance coverage beyond these amounts, you can contact USAA Insurance Agency which works with other insurance companies that provide excess flood coverage. Private flood coverage is not affiliated with the National Flood Insurance Program.

  3. Renters insurance provided by United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, based in San Antonio, Texas; USAA S.A. (Europe), and USAA S.A. UK Branch (United Kingdom), and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.

    Coverages subject to the terms and conditions of the policy.

  4. USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.

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