What does flood insurance cover?

Answered by Home Insurance, Car Insurance Expert Savannah on March 3, 2021

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?

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Home Insurance, Car Insurance Expert

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.

If you’re interested in purchasing flood insurance, check out this article: How Much Does Flood Insurance Cost?.

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