What does flood insurance cover?

Floods are natural disasters that can hit almost anywhere. All it takes is a severe storm and some extended rain and creeks, streams and rivers are overflowing their banks. Hurricanes churn up massive waves in the Atlantic Ocean and the Gulf of Mexico. All of these result in flooding. As little as one inch of water can cause more than $20.000 in damage to your home. At Kingston Insurance Agency LLC in South Kingstown, RI, we are an independent insurance agency that prides itself on providing exceptional customer service to our clients. 

Flood insurance is offered by the NFIP. It is sold in two parts; contents and property. Both of them have set limits on coverage. The parts are sold separately and everyone can choose to have one or both, depending on what your needs are. In order to be eligible to purchase the insurance offered by NFIP, you must live in a community that takes part in their program. 


The limit of coverage for content is $100,000. If this is inadequate, you can look into private flood insurance. Content coverage will reimburse you for the loss of your furniture, clothing, small appliances, electronics, and even some jewelry. Your washer and dryer, window or portable air conditioners, microwave, rugs not permanently attached to your floor are also covered. 


The building portion has a limit of $250,000 which, again, may not be adequate and you can opt for a private insurance provider. In addition to the physical structure of the house, this coverage will pay for the major systems such as heat and cooling, electrical, and plumbing, the foundation, major appliances such as the stove and refrigerator, and the dishwasher, built-in bookcases, cabinets, carpeting, and flooring. 

If you are in the market for flood insurance, contact Kingston Insurance Agency LLC in South Kingstown, RI, and let us help you find the right coverage.