As many as three-quarters of U.S. homeowners could be underinsured, a significant risk as weather disasters intensify.

A homeowners insurance deductible applies when you make a home insurance claim for property damage. The deductible does not apply if someone makes a liability home insurance claim against you.

and private insurance companies offer flood coverage. NFIP policies cover as much as $250,000 for dwelling coverage and $100,000 for personal contents protection. If you need more coverage ...