Flood insurance covers direct physical damage to your property caused by flooding—defined as water that temporarily covers normally dry land. Coverage is divided into two parts: building (structure) coverage and contents (personal property) coverage. Understanding what falls under each part helps you set the right limits and avoid surprises during a claim.
Building coverage protects the physical structure of your home and its essential systems. Under an NFIP policy, building coverage goes up to $250,000 for residential properties. Covered items include:
Contents coverage protects your personal belongings inside the home. Under the NFIP, contents coverage goes up to $100,000 and must be purchased as an add-on to building coverage or as a standalone policy for renters. Covered items include:
Private flood insurers often offer higher limits than the NFIP, and some include coverages the NFIP does not—such as loss of use (additional living expenses while your home is being repaired) and replacement cost for contents instead of actual cash value.
Knowing what is covered helps you set the right limits and fill gaps with the right endorsements or policy type. A Truscott coverage review will walk through your building and contents exposure, compare NFIP and private options, and make sure your flood policy actually protects what matters most. Request a checkup to get a clear picture of your coverage.
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