Flood insurance goes beyond the coverage of a standard homeowners insurance policy and protects you from more severe types of water damage, like heavy rain, melting snow, and severe coastal storms. After all, water’s great in pools and on water slides but not so much in places it doesn’t belong in your home. So, whether you’re required to buy flood insurance or just want additional protection for your property, Sullivan Insurance can help insure your investment with a flood policy through the National Flood Insurance Program (NFIP).
What does flood insurance cover? What isn’t covered?
Flood insurance provides coverage for both the structure of the home and personal property in case of damage. Your foundation and the critical systems that keep your home running are covered. So are flooring and personal belongings – unless they’re in the basement.