Flood Insurance

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

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