High-Risk For Flooding Or Not, Your Belongings Deserve The Extra Layer Of Protection Flood Insurance Provides

Flood damage can be devastating for any family, and most flood losses are not covered by your standard home insurance policy. 

You don’t have to live in a high-risk area to experience losses or damages due to flooding. Just a few inches of water from a flood can cause tens of thousands of dollars in damage.

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What Flood Insurance Covers

Flood insurance policies cover damage to your property and possessions, though the protection varies. Building property coverage covers the structure of your home, while personal property coverage protects the possessions you keep there. For the best liability coverage for your home and valuables, it’s a good idea to get both forms of coverage.

Both types of coverage help pay for the repair and/or replacement of the covered items listed below (up to the limit you select when you purchase coverage).

Building Property Coverage Can Help Protect And Pay For:

  • The insured building and its foundation
  • Electrical and plumbing systems
  • Central air conditioning equipment, furnaces, and water heaters
  • Refrigerators, cooking stoves, and built-in appliances such as dishwashers
  • Permanently installed carpeting over unfinished flooring
  • Permanently installed paneling, wallboard, bookcases, and cabinets
  • Window blinds
  • Detached garages (up to 10 percent of building property coverage); detached buildings (other than garages) require a separate building policy
  • Debris removal

Personal property coverage can help repair or replace:

  • Personal belongings, such as clothing, furniture, and electronic equipment
  • Curtains
  • Portable and window air conditioners
  • Portable microwave ovens and portable dishwashers
  • Carpets that are not included in building property coverage
  • Clothing washers and dryers
  • Food freezers and the food in them
  • Certain valuable items such as original artwork and furs (up to $2,500)

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