What's covered

So, what does a flood policy help protect? In most cases, you can purchase coverage to help protect your home, your personal belongings, or both. Here are some of the basics that are typically covered in a flood insurance policy:

  • 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 and buildings
  • Debris removal


What's not covered

Equally important is knowing what's not covered by flood insurance. Here are a few examples of the types of property and expenses that fall outside the scope of a basic flood insurance policy:

  • Outdoor property such as decks, fences, patios, landscaping, wells and septic systems, and hot tubs and pools
  • Currency, precious metals and paper valuables, like stock certificates
  • Moisture or mold/mildew damage that "could have been avoided by the homeowner"
  • Living expenses, like temporary housing (if flood damage deems your home uninhabitable)
  • Cars and other self-propelled vehicles (your auto insurance may offer some protection for your car if you have comprehensive coverage)

Discounts

Multi-Policy Discount
Bank Customer Discount
Group Discounts

Why United Insurance

Experience matters when putting together a flood insurance policy. Our agents anticipate what’s possible and prepare you for the unexpected.

Real Solutions for Real Life

Photo of Dave Smith

Our Agents

As independent agents, we’re united in our mission to serve you with real solutions, personalized service and support.
 
Man and woman kick up their feet at home with their pet dog on the woman's lap.

Home Insurance

You work hard for your home - so partner with United Bank to protect your investment and give yourself peace of mind.

Father and son joyfully explore through a tablet.

Umbrella Insurance

Coverage that goes above and beyond your home, auto and recreational vehicle policies. Speak with one of our insurance professionals today.