What Does Flood Insurance Cover?

2/10/2020 (Permalink)

What Does Flood Insurance Cover?

Your standard homeowners insurance policy does not cover flood damage, unless flooding occurred due to a covered peril. Instead, most homeowners purchase flood insurance from the National Flood Insurance Program (NFIP), though you may have purchased this through your homeowners insurer. The NFIP offers two different policies, one insuring your actual house and the other insuring your personal property.

The NFIP policy insuring your house covers:

• Your physical home, including its floors, walls and foundation
• Your home's built-in systems (electric, sewage, water heater, HVAC)
• Your home's built-in appliances (fridge, oven)
• Permanently installed carpet
• Cabinets and permanent shelving
• Detached garages
• Water removal

The NFIP policy insuring your personal property covers:

• Clothing
• Electronics
• Furniture
• Movable appliances (washer and dryer, window A/C units, microwave)
• Area rugs and other carpeting

https://www.valuepenguin.com/homeowners-insurance/what-to-do-house-flooded

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