Does Flood Insurance Cover My Garage?

If you live in South Kingstown, RI, you know how unpredictable nature can be. With rising sea levels and frequent storms, your property and belongings are at risk of flood damage. As residents of this area, we understand your concern about protecting your garage. 

What does flood insurance cover?

Flood insurance comes in two parts: building coverage and content coverage. Building coverage covers the physical structure of your home, including the foundation, walls, roof, built-in appliances, floorings, etc. Meanwhile, content coverage can include personal items such as clothing, furniture, and electronics. However, this coverage usually does not apply to garages.

Garage Coverage under Different Policies

Basic homeowner’s insurance policies rarely cover flood damages. Some policies offer exceptions for loss or damages that occur because of an overflow of water from your indoor plumbing, leading to damage in your garage area. It’s essential to check with your provider regarding the extent of your coverage.

A National Flood Insurance Program may cover detached or attached garages since the coverage extends to structures on the insured property. Our Kingston Insurance Agency LLC representatives can help you understand the details of your policy and explain what it would take to extend your coverage if it’s unavailable under your current plan.

Reach Out To Us

You have made a significant investment in your garage. Talk to Kingston Insurance Agency LLC about your flood insurance options and get expert advice. We understand your need for peace of mind about your property and belongings in South Kingstown, RI daily. Don’t take any risks! Protect your garage and outdoor buildings by calling us today.