Homeowners Insurance and 19 States Where You Want Flood Insurance

Homeowners Insurance is a form of property insurance designed to protect an individual's home against damages to the house itself, or to possessions in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.

In the U.S. there are seven forms of homeowners insurance that have become standardized in the industry; they offer various levels of protection depending on the needs of the homeowner.

While homeowners insurance covers most scenarios where loss could occur, some events are typically excluded from policies, namely: earthquakes, floods or other "acts of God" and acts of war.

There are 19 states in the paths of the Atlantic and Gulf storms. Densely populated Florida, with its shallow elevation, is most at risk.

Other vulnerable states are Louisiana, where 750,000 homes are at risk, New York had 466,919 homes, New Jersey 445,928 and Texas 434,421.

For homeowners living in these parts of the country, adding an extra policy for flood insurance can be a good idea to offer further home protection and peace of mind.