Flood Insurance: What’s Included and What’s Not

In the United States, floods are considered the most common of the natural disasters that occur. Don’t assume that because you don’t live in a flood zone you aren’t at risk for flood damage. It only takes an inch or two of water to result in considerable damage. Unfortunately, basic home insurance policies won’t cut it. Instead, flood insurance offered by Idaho Select Insurance should be purchased by Meridian, ID homeowners.

What Is Included with Flood Insurance?

You can purchase flood insurance for your property, personal possessions, or both. You can invest in a flood insurance policy for your home that will offer protection against damage to the foundation, plumbing, electrical, HVAC, appliances, flooring, and much more. You can also invest in a personal property policy for your possessions that will offer protection against damage to your furniture, clothing, electronics, and more. You may also have coverage for high-value items like jewelry and artwork. 

What Is Not Included with Flood Insurance?

Similar to the way your home and auto insurance policies work, there are some exclusions included in a flood insurance policy. For instance, items that are kept in a safe deposit box or a bank are not covered, in addition to damage related to a septic system, sewer backup, pools, hot tubs, wells, etc. Further, as a homeowner, you are required to show you took reasonable measures to prevent flooding and related damages, which may include getting foundation and roof repair as deemed necessary.

The professionals at Idaho Select Insurance can help Meridian, ID homeowners obtain the necessary flood insurance protection as it relates to their unique situations. Contact us today to learn more about our insurance services.