Skip to main content
Elite Risk Advisors
by Elite Risk Advisors
on Nov 19, 2025, 9:48:38 AM

Short answer: Standard homeowners insurance does not cover flood. That surprises many people after heavy rain or a river rise. Here’s what counts as a flood—and how to protect your home in Owensboro.

Elite Risk Advisors is an independent insurance agency. Coverage is subject to underwriting approval and to the terms of the issued policy. Go to erieinsurance.com for company licensure and product details.