You don’t have to live near a lake, river, or other body of water to benefit from the protection of flood insurance. Your homeowner’s insurance policy can protect you against many unexpected risks, but you may be surprised to find that flooding and many forms of water damage aren’t typically covered by your homeowner’s insurance. This means you could be left paying for the high-cost of repairs if your home and belongings are damaged by heavy rains, rising rivers, or many other causes of water damage.
If heavy rainfall, melting snow, severe weather, or broken water main brought water into your home, the damage could be extensive. The cost of replacing carpeting, hardwood flooring, and even furniture can add up fast. And that’s just the beginning. Even the smallest amount of moisture can lead to the biggest of problems. Mold can begin to spread in a moist environment in as little as 36 hours, and often requires professional removal and cleanup to protect your family’s health.
When you have flood insurance, you won’t have to worry about the high costs of cleanup, repairs, and replacement if your home is damaged by water.
What Flood Insurance Covers
Flood insurance protects your home and belongings from physical water damage. Flood insurance coverage typically includes:
- Physical structure and foundation of your home
- HVAC, electrical, and plumbing systems installed in your home
- Hardwood, carpeting, and other flooring
- Bookcases, cabinets, and other built-in furniture
- Personal property such as clothing, electronics, and furniture
- Furs, original artwork, and other valuables
Flood Insurance: An Affordable Option
The benefits of flood insurance are so widespread, the National Flood Insurance Program (NFIP) provides flood insurance policies with nationally set rates to ensure this important coverage is affordable for everyone. Your rates will remain consistent, no matter who your insurance provider may be.
Flood insurance is the perfect addition to your homeowner’s insurance coverage. While flood protection won’t take the place of adequate homeowner’s insurance, together the two policies offer a strong defense against the most common risks facing your home, belongings, and family.