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What's Covered

Preparation and Recovery Overview

What's Covered

Flood insurance policies cover physical damage to your property and possessions. Use the following list as a general guide to what is and isn't covered, or simply refer to the Summary of Coverage to better understand your policy and coverage.

Building Property

  • 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 (up to 10 percent of building property coverage; other than garages, detached buildings require a separate building property policy).
  • Debris removal.

Personal Contents Property

  • Personal belongings, such as clothing, furniture, and electronic equipment.
  • Curtains.
  • Portable and window air-conditioners.
  • Portable microwave ovens and portable dishwashers.
  • Carpets that are not included in building coverage.
  • Clothing washers and dryers.
  • Food freezers and the food in them.
  • Certain valuable items such as original artwork and furs (up to $2,500).

What's Not Covered

  • Damage caused by moisture, mildew, or mold that could have been avoided by the property owner.
  • Currency, precious metals, and valuable papers such as stock certificates.
  • Property and belongings outside of an insured building, such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs, and swimming pools.
  • Living expenses, such as temporary housing.
  • Financial losses caused by business interruption or loss of use of insured property.
  • Most self-propelled vehicles, such as cars, including their parts (see Section IV.5 in your policy).

Flood Insurance for Basements and Areas below the Lowest Elevated Floor

Coverage is limited in basements regardless of zone or date of construction. It's also limited in areas below the lowest elevated floor, depending on the flood zone and date of construction. These areas include:

  • Basements.
  • Crawl spaces under an elevated building.
  • Enclosed areas beneath buildings elevated on full-story foundation walls that are sometimes referred to as "walkout basements."
  • Enclosed areas under other types of elevated buildings.

Ask your agent for details on your basement coverage.

PRIMARY RESIDENCE DISCLAIMER


For flood insurance rating purposes, a primary residence is a building that will be lived in by the insured or the insured's spouse for at least 80 percent of the 365 days following the policy effective date. If the building will be lived in for less than 80 percent of the policy year, it is considered to be a non-primary residence.

How Can I get Covered?

  • Rate your risk
  • Estimate your premiums
  • Find an agent
 

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Last Updated: Wednesday, 21-Sep-2016, 2:01 PM (EDT)

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