Ready when the water rises.
Standard home policies don't cover flood. Add protection for your structure and contents.
What's covered.
Every policy is tailored with an agent. Here's an overview of the core protection available.
Dwelling
Repairs or rebuilds the structure after a covered loss.
Other structures
Covers detached garages, fences and sheds.
Personal property
Protects belongings like furniture, clothing and electronics.
Loss of use
Helps with living costs if you can't stay in your home.
Personal liability
Covers you if someone is injured on your property.
Medical payments
Pays guests' minor medical bills regardless of fault.
Make it fit your life.
- Replacement cost on contents
- Water backup
- Scheduled jewelry & valuables
- Identity protection
- Equipment breakdown
Better with COSPARK membership.
- Bundle with auto and save
- Digital declarations in your dashboard
- Earn Insurance Tokens on eligible annual premium
- Catastrophe support when severe weather hits
Frequently asked.
How much does flood coverage cost?
Pricing depends on your location, history, the coverage you choose and your deductible. Start a quote and an agent will compare options for you.
Can I bundle flood with other policies?
Yes. Bundling two or more eligible policies usually lowers your total premium and keeps everything in one member dashboard.
Do I earn COSPARK tokens on this policy?
Associate members earn Insurance Tokens equal to 5% of eligible annual premium, and Premium members earn 7%. Free members don't earn tokens. If a policy is cancelled mid-year, that year's Insurance Tokens are forfeited.
How do I file a claim?
Report a claim online any time from the Claims page or your member dashboard. Logged-in members have their policy details filled in automatically.
Ready to price flood coverage?
Get a quote online or talk to a licensed COSPARK agent.