Stay Dry with Reliable Flood Insurance

Covers the physical structure of the home, including walls, floors, windows, doors, and the foundation.
Also includes built-in appliances, plumbing, electrical systems, and HVAC systems.
May cover detached structures like garages, but often with lower limits.

Covers personal belongings inside the home, such as furniture, clothing, electronics, and appliances, if they are damaged or destroyed due to flooding.
This coverage typically includes items that are not permanently attached to the structure

Flood insurance typically does not cover:

• Damage from landslides, mudflows, or erosion (unless caused by flooding).
• Damage to vehicles, which is typically covered under auto insurance.
• Damage to landscaping, such as trees, shrubs, or fences.
• Temporary living expenses (unless additional coverage, like loss of use, is included).
• Most types of personal property outside of the insured structure (e.g., items in a basement or in a garage may not be covered, depending on the policy).

National Flood Insurance Program (NFIP):
In the U.S., flood insurance is often available through the NFIP, a federal program administered by FEMA, or through private insurers. NFIP policies have set coverage limits (e.g., up to $250,000 for building coverage and up to $100,000 for contents) and specific terms.

Flood insurance is important for homeowners and renters in flood-prone areas, especially as certain regions may face mandatory flood insurance requirements if they are in designated flood zones.