This “reality checkpoint” during Hurricane Preparedness Week is about Storm Surge. Even a ‘close call’ can produce damage via flood waters. A Flood Insurance policy is very inexpensive and easy to obtain.
What Does Flood Insurance Cover?
According to The Federal Emergency Management Agency (FEMA), flood insurance can protect your home in two ways.
- Building property coverage: Buying flood insurance can cover can help protect the physical structure of your home and its foundation. The policy also covers electrical and plumbing systems, central air systems, and furnace, cabinets and paneling. The maximum coverage limit is $250, 000.
- Personal contents coverage: Contents inside your home such as freezers, electronics, clothing, curtains, and certain valuables like art can be protected. The maximum coverage is set at $100,000.
When purchasing a flood insurance policy, ensure that you identify the individual categories of the contents in your home and their estimated value. This is because some categories can have limits set below the total value of the possessions you own that qualify. For example, if you own high-value items such as art, you might consider purchasing additional protection for this category.
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Florida Insurance Experts
For almost 15 years, PBIG has been helping Florida residents by getting them the right coverage at the right price. We are locally owned, have a casual approach, and deliver professional results. Click below to get a no-hassle, free quote from one of our experts.