Flood Insurance

What Is Flood Insurance?
Flood insurance typically is purchased separately from your homeowners insurance policy and helps protect your home and belongings if they are damaged in a flood. While a standard homeowners insurance policy typically does not cover flood damage, a flood insurance policy can help cover the costs to rebuild or repair your home and pay you the actual cash value of your personal items.

In certain states prone to flooding, or if you own a home on land that is at high risk of flooding, you may be required to have flood insurance. Flood insurance is generally available to people in communities who participate in the National Flood Insurance Program (NFIP). A flood insurance policy can be purchased with help from an InsureOnline.com agent by homeowners, business owners, and renters who are looking for protection for their homes, buildings, and belongings. Your agent can help you purchase a flood insurance policy from the NFIP.

The NFIP typically offers up to $250,000 in coverage for your home’s structure and up to $100,000 for your belongings. However, if your home has a high property value, you can purchase coverage from a private flood insurer for a policy with higher limits, which can either supplement your NFIP policy, or completely replace it.

What Flood Insurance Covers
Depending on your policy, flood insurance typically covers the following:

  • Your home’s foundation and structure
  • Electrical and plumbing systems
  • Appliances like dishwashers, refrigerators, and cooking stoves
  • Personal property including furniture, clothing, and electronics
  • Permanently installed carpeting and household fixtures
  • Detached garages
  • Window blinds
  • Fuel tanks, air conditioning units, furnace, well water tanks and pumps
  • Debris removal

What’s Not Covered by Flood Insurance? Whether your policy is from the NFIP or InsureOnline.com, the following exclusions may apply:

  • Moisture/mildew damage that is deemed preventable by the homeowner
  • Swimming pools, patios, decks, and hot tubs
  • Cash and jewelry
  • Fences, landscaping, wells and septic systems, and other outdoor property
  • Motor vehicles, including recreational vehicles

How to Buy Flood Insurance Speak with your agent to find out how you can purchase a flood policy or get a flood insurance quote online today!

Read our blog on Flood Protection for more information.

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