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What does flood insurance cover?
I'll be moving to a high-risk flood zone to be closer to my aging parents. I know I'll need flood insurance, but what exactly does it cover?
Savannah Grabek · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Flood insurance typically extends coverage to the main structure of
your home
(including plumbing and electrical systems and central air and heating systems) and the contents of your home (including clothes, furniture, electronics, and some appliances).This form of insurance is very specific in that it will only cover policyholders in certain circumstances. For an event to be considered a flood, there has to be rising water covering at least two acres of land or two or more properties that would typically be dry.
This stipulation has to be met for your policy to cover damage. Since flood insurance is a federal policy, it’s managed by the Federal Emergency Management Agency and is delivered to the public by a network of approximately 60 private insurance companies and the NFIP Direct.
To find out if you’re covered in the event of a flood and to get specifics related to your policy, it’s best to contact your insurance provider directly. And if you’re looking for new insurance, the
Jerry
app can help! Jerry shops prices with over 50 different insurance companies and delivers the lowest rates straight to your phone in seconds.”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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