Flood insurance is a special type of insurance that protects your property and personal belongings against flood damages. It is a separate policy from standard home insurance that usually does not cover damages caused by flooding. You can purchase flood insurance regardless of your location – flood insurance policies are available to all homeowners, even those who do not live in flood-prone areas.
What Is Covered By Flood Insurance?
Here is what is covered by flood insurance:
- Structural damage to the building. Flood insurance covers structural elements and essential equipment, including damage to the HVAC unit, plumbing and electrical systems. Here is what normally a flood insurance policy covers: the home itself and its foundation, built-in kitchen appliances (refrigerator, microwave, dishwasher, freezer), permanently installed cabinets and shelves, detached garages, etc.
- Personal belongings. Your personal stuff, including clothing, furniture, and other personal items is covered by flood insurance. However, the coverage may be limited for certain valuable items.
- Content coverage for basements. Flood insurance may cover content coverage for basements but usually, this coverage is limited.
Stalwart Insurance in Pittsburgh, PA – Your Safety Is Our Priority
You may think that you do not need flood insurance, especially if you do not live in a flood-prone area. However, this type of insurance has many benefits. If you are thinking of getting it, and you live in Pittsburgh, PA, or any other surrounding area, Stalwart Insurance is ready to help. We specialize in all types of insurance, including flood insurance. Our mission is to help our clients get insurance based on their preferences and budget. Feel free to call us if you have any questions or want to know more about the rates.