While flood insurance covers a lot related to your Pittsburgh, PA home or business, it does not cover self-propelled vehicles, including cars, SUVs, minivans, trucks, motorcycles, and RVs. Comprehensive coverage on an auto or RV policy pays for your automobile’s flood damage, according to the National Flood Insurance Program (NFIP).
Transportation Flood Insurance Does Cover
Flood insurance does cover some modes of transportation, including bicycles and electric bikes that you also have to pedal. A child’s tricycle or toy vehicles that they pedal or push receive coverage.
Your Garage and Most of Its Items Flood Insurance Covers
Your actual garage does receive coverage, whether attached or detached from the home. If a flood damages the structure, such as the walls, flooring, windows, ceiling, etc., the policy covers the repairs for the damage.
Your personal belongings inside the garage receive coverage from the flood policy with a big exception. Your camping gear, tools, and other items stored there do enjoy coverage from flood insurance. So, what doesn’t?
What is not covered by a Flood Policy Cover?
Automotive and motorcycle parts do not incur coverage under the policy. Just like autos, they’re not covered by flood insurance.
Contact Stalwart Insurance
At Stalwart Insurance, we want our clients to understand their flood coverage and which of their personal belongings or landscape structures require other insurance protection. Let us help protect your Pittsburgh, PA home or business. We can help you obtain flood insurance to cover your home or business structure and the items within it, then add to it with other insurance to protect your vehicles. Contact us today about flood insurance.
