Flooding isn’t the only potential water hazard gap.
Coverage for water damage from sewer backups — which rain storms can trigger — may or may not be covered under your main policy. If it’s not, you can tack it on through an endorsement or rider, said Angi Orbann, vice president for personal insurance property at Travelers.
Keep in mind that you may benefit from coverage even if your home isn’t in a flood plain.
People outside high-risk flood areas file more than 20 percent of claims, according to the National Flood Insurance Program. You may also have some risk to possessions kept outside your home, she said — say, in the basement of your apartment building or an off-site storage unit.
“As you can see from the losses that are happening and the weather that is happening in the Midwest, even areas that typically don’t flood, are flooding,” Orbann said.