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Home > Blog > What does flood insurance cover?
FRIDAY, JUNE 29, 2018

What does flood insurance cover?

 

Here is what flood insurance covers.  If you do not have flood insurance, it's time to get protection for your home and belongings. 

Click to see your options for flood insurance if you are not in zone AE.  

 

______________________________________ 

What does flood insurance cover?

Flood insurance policies cover physical damage to your property and possessions from external rising wateras summarized below.

 

 

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); detached buildings (other than garages) require a separate building property policy
  • Debris removal

Personal Conents 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)

Whats 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)

If you do not have flood insurance but would like to add coverage for the future, please contact our office to discuss your options.

 

We can also offer you private flood insurance for a lower rate.

Get flood insurance if you do not have it

 

    If you need help please contact us: Suzanne@SuzanneBrownAgency.com or call 281-558-2210
     

 

 

If would like more information please contact us,

Suzanne Brown Insurance Agency

A Texas Independent Insurance Agency with over 100 insurance carriers

www.SuzanneBrownAgency.com

281-558-2210

Posted 7:42 PM

Tags: flood insurance, houston flood insurance, houston insurance, renters insurance
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