Small cottage style home

What Flood Insurance Does and Doesn’t Cover

You may think that you don’t need to worry about flooding but trust us, it’s more common than you think. There’s risk of overflowing toilets, broken pipes and natural disasters out there. Also, not a lot of people know that policies can take as long as 30 days to take effect, so don’t wait too long to get the flood insurance coverage you need. Get the basics about flood insurance below.


Flood insurance is provided by the federal government through the National Flood Insurance Program (NFIP). You can purchase policies that protect your property and your personal belongings, both of which must be purchased separately. 

The maximum coverage limit for your property is $250,000. This typically covers the physical structure of your home and its foundation, plumbing and electrical systems, central air and heating systems, attached bookcases, cabinets and paneling. 

The maximum coverage limit for your personal items is $100,000. This typically covers your clothing, furniture and electronics, curtains, freezers and the foods within them.

You can also purchase separate flood insurance from a private company if you would like to have higher coverage limits or if your property and personal items are of high value.


The following is typically not covered by flood insurance:

  • Moisture or mold/mildew damage that “could have been avoided by the homeowner”
  • Currency, precious metals, and paper valuables like stock certificates
  • Outdoor property such as decks, fences, patios, landscaping, wells and septic systems, hot tubs and pools
  • Living expenses, like temporary housing (if flood damage deems your home uninhabitable)
  • Cars and other self-propelled vehicles 

In addition, you’ll likely find that flood insurance provides limited, if any, coverage for below-ground rooms like crawl spaces and basements. Some items — like your personal belongings — may not be covered at all when they’re kept in these areas.

Lastly, not all flood insurance is subject to the 30-day wait period. Some polices can go into effect quickly depending on the circumstances and the carrier.

Contact us today to get more information about flood insurance.


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