Flood insurance policies are designed to cover the physical damage to your property and possessions caused directly by a flood. Coverage is generally split into two main categories:

Coverage Examples:

• Building Coverage: This protects the physical structure of your home.
• • The foundation and walls
  • Electrical and plumbing systems
  • HVAC systems, like air conditioning units and water heaters
  • Built-in appliances such as refrigerators, stoves, and dishwashers
  • Permanently installed carpeting and flooring
• Contents Coverage: This helps you replace your personal belongings.
• • Furniture, clothing, and electronic equipment
  • Curtains and blinds
  • Portable and window air conditioners
  • Washers and dryers
  • Valuable items like art (up to a specified limit)

Policies can also help cover cleanup costs, including the expenses associated with removing debris from your property after a flood.

Choosing to protect your home with flood insurance is a proactive decision that safeguards your family, your finances, and your future. In a state as beautiful and unpredictable as Florida, it’s the ultimate way to prepare for the unexpected and ensure your piece of paradise remains secure.