Flood Insurance
Flood insurance falls under the category of property insurance. It covers the losses that are sustained by inland flooding, flash floods and flooding from seasonal storms. The best flood insurance policy provides a means to protect your assets most fully from the cost of flood damages and loss. The pricing of flood insurance policy is based on the zone in which the property is located in as well as other factors including property age and number of floors.

Without insurance, relief from floods primarily comes in the form of loans which ultimately needs to be paid back which means you’re still liable for the entire cost of your damages or losses.
Facts about flood insurance
1. Only a specific flood insurance policy will cover home flood-related losses. Homeowners and renters policies do not cover flood insurance.
2. Flood insurance includes losses from floods and losses resulting from flood-related erosion.
3. Flood insurance coverage for the structure and contents of the home are sold separately.
4. Flood insurance policies are available for all homes and commercial properties.
Flood insurance covers:
Your home and its foundation
Electrical and plumbing systems
Air conditioners, furnaces, and water heaters
Electrical and plumbing systems
Kitchen appliances, including your refrigerator, stove, and built-ins such as your dishwasher
Removal of debris
Window blinds
Detached garages
