Flood insurance is available whether you rent or own. It is also available for businesses. Each policy contains two types of flood insurance coverage through the National Flood Insurance Program:
- Building property coverage
- Personal property coverage
Building property coverage:
- The insured building and its foundation.
- The electrical and plumbing systems.
- Central air conditioning equipment, furnaces, and water heaters.
- Refrigerators, cooking stoves, and built-in appliances such as dishwashers.
- Permanently installed carpeting over an unfinished floor.
- Permanently installed paneling, wallboard, bookcases, and cabinets.
- Window blinds.
- Detached garages (up to 10 percent of building property coverage).
- Detached buildings (other than garages) require a separate building property policy.
- Debris removal.
Personal property coverage:
- Personal belongings such as clothing, furniture, and electronic equipment.
- Portable and window air conditioners.
- Portable microwave ovens and portable dishwashers.
- Carpets not included in building coverage.
- Washing machines and dryers.
- Food freezers and the food in them.
- Certain valuable items such as original artwork and furs (up to $2,500).
What is not insured by either Building Property or Personal Property coverage:
- Damage caused by moisture, mildew, or mold that could have been avoided by the property owner.
- Currency, precious metals, and valuable papers such as stock certificates.
- Property and belongings outside of a building such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs, and swimming pools.
- Living expenses such as temporary housing.
- Financial losses caused by business interruption or loss of use of insured property.
- Most self-propelled vehicles such as cars, including their parts (see Section IV.5 in your policy).
Information provided by NFIP Summary of Coverage.pdf. A complete detail of coverage options will be listed in your NFIP policy.
Shelter Insurance® offers access to federal flood insurance through the National Flood Insurance Program and Fidelity National Indemnity Insurance Company.