DON’T LET A FLOOD WASH AWAY YOUR FINANCES.

Floods can strike anywhere, from coastal areas to landlocked towns without a body of water in sight. Even a small stream or city street can quickly turn into a flood risk during heavy rainfalls.

Standard homeowners, condo, or renters insurance policies typically do not cover flood damage, making a separate flood insurance policy essential. This coverage can be divided into two categories:

Building coverage, which covers damage to the physical structure of your home including plumbing, electrical systems, appliances, and permanently installed items like carpeting, bookshelves, and kitchen cabinets. Debris removal services may also be included.

Contents coverage, which can help replace your belongings, such as furniture, electronics, and clothing, and may provide limited coverage for antiques and artwork. If you don't have contents coverage, your flood-damaged possessions won't be covered.

Both types of coverage must be purchased separately within your policy, each with its own deductible.

Don't let flood damage wash away your financial security – make sure you have the coverage you need.