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What is covered by flood insurance?
Thankfully, I bought flood insurance last year, and after the flooding this week here in Florida, I'm grateful I am prepared. I’m curious, though, what does flood insurance actually cover?
Will Baldwin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“I’m glad you got insurance before the flood!
Flood insurance is usually comprised of two types of coverage: building or contents coverage.
Building coverage includes the integral and structural components of a building, like:
- Furnaces and water heaters
- Electrical and plumbing systems
- Built-in appliances (dishwashers, fridges, and stoves)
- Fuel tanks, well water tanks and pumps
- Detached garages
- Carpeting
- Stairs
Contents coverage includes your personal belongings, like:
- Curtains
- Washer and dryer
- Portable and window air conditioners
- Personal electronics
- Microwave oven
- Clothing
If you have questions about specific policies, your best bet is to reach out to your insurance company directly.
If you want to adjust your coverage or shop for a better rate, try using the
Jerry
app. Jerry compares rates from the top providers and delivers the best deals to your phone for free.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
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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