Know What’s Covered by Your Flood Insurance Policy

flood insurance in Trenton NJ

Don’t simply sign up for flood insurance in Trenton NJ and tuck it away until the tide starts to rise. Know what is and what isn’t covered by your policy in order that you know what kind of protection you’re getting and if you need to take out a special policy to fill in the gaps. So just what is commonly protected under your flood insurance?

Personal Contents

Examples of protected personal contents include electronic equipment, window air conditioners, washers/dryers, freezers and the food in them, and carpets that aren’t included in your homeowners policy.

Building Property

Your flood policy covers your home as well as its foundation, plumbing and electrical systems, refrigerators, ovens, your detached garage and the HVAC system. You’ll also be pleased to know your insurance also takes care of any debris removal you need after the flood waters have subsided.

Basements

The most important thing to bear in mind with flood insurance and basements is that your policy has limits when it comes to areas underneath the lowest elevated floor. Besides basements, other areas with limited coverage include crawlspaces beneath an elevated property and “walkout basements. Be sure you talk with your agent about additional coverage for areas underneath your home’s lowest elevated floor.

Sit down with your insurance agent to discuss your flood insurance policy as well as any other policies you have to make sure you’re ready for the flood of contingencies that can befall you and your property.

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