What You Need to Know About Flood Insurance   

Flood insurance may help with financial losses caused by rising water. This includes damage from overflowing rivers, heavy rainfall, storm surges or rapid snowmelt. Standard homeowners and renters policies typically do not include flood coverage, so a separate policy is necessary.

What Does Flood Insurance Cover?

Flood insurance may cover your building property and personal contents, including the following:

• Electrical and plumbing systems
• Furnaces and water heaters
• Foundation walls, staircases and anchorage systems
• Built-in appliances like dishwashers and refrigerators
• Clothes, electronics and furniture
• Curtains and portable appliances
• Valuables such as artwork, up to set limits
• Washers and dryers

Flood insurance may not cover damage due to moisture or mold that could have been avoided, temporary housing or living expenses, cars, currency, and items stored outside the insured building. Basements and areas below the lowest floor may have limited coverage.

Where To Get Flood Insurance

Flood insurance policies can be purchased through the National Flood Insurance Program (NFIP). Some private insurers also offer flood coverage outside the NFIP, sometimes with higher limits or broader options. You can check your eligibility and compare coverage by contacting an insurance agent authorized to sell NFIP policies or by visiting the official FEMA website.

Coverage typically takes 30 days to go into effect, so it’s essential to plan before storm season or when buying a home in a high-risk area.

Learn More

Bruni Insurance Agency can recommend tailored flood insurance options. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.