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?

Answer
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.
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Savannah Grabek
Answered on Sep 09, 2021
Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.
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