This edition of Insurance Straight Talk is about Connecticut flood insurance. What it is, what it covers, when it pays, who needs it, how to get quotes, and other random bits of information you thought you’d never need to know.
The first thing to remember about flood insurance is that the peril of flood is never covered under a Connecticut homeowner insurance policy. It’s a separate policy. And if you live in a community that participates in the NFIP (i.e., the National Flood Insurance Program), your building and its contents can be covered by a standard flood insurance policy.