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Flood insurance covers losses to your property caused by flooding. From structural and
mechanical damage to flood debris cleanup and floor surfaces (like tile and carpeting), your investment is protected by a
flood insurance policy, something that your Homeowners policy does not offer.
In addition, you can purchase separate coverage that insures most of your personal property
and belongings up to a specified limit, including:
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Clothing Furniture,
housewares, bedding
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Decorative items, lamps and lighting fixtures
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Books, home electronics, computers
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Area rugs and draperies
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Clothes washers
and dryers
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Air conditioners
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Food freezers and the food in them
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Portable microwave
ovens
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Having flood insurance gives you many benefits. Not only is coverage there when you need
it, but it also:
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Compensates for all covered losses
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Compensates for flood damages even if federal disaster aid is unavailable
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Pays for your covered losses, unlike interest-bearing loans through federal
disaster assistance
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Comes in low-cost policies for those who qualify
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Guarantees compensation for flood damages because the Federal government backs
NFIP flood insurance
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