The disappointing surprise is that while the standard home insurance policy does cover fire and wind damage, even good property insurance typically doesn’t cover things like flooding and earthquakes, which usually require a special and separate policy for each. Here are the things to know about flood insurance.

Insurance brokers say more people are asking whether they should buy flood insurance -- even if they don’t live in a high-risk areas.

Standard homeowners' insurance policies typically don't cover flood damage. That often comes as a surprise to residents. What to know.