In an era where unpredictable weather patterns are becoming the norm, flood insurance has transitioned from being an optional safeguard to a critical necessity for many homeowners and renters. At DiamondBack Insurance, we specialize in providing comprehensive flood insurance policies designed to offer peace of mind and financial protection. Understanding what is covered by flood insurance can help you make an informed decision about the level of protection you need.
Understanding Flood Insurance Coverage
Flood insurance covers direct physical loss caused by “floods,” which are defined as an excess of water on land that is normally dry, affecting two or more acres of land or two or more properties. Policies typically differentiate between building coverage and contents coverage, ensuring that both the structure of your home and your belongings are protected in the event of a flood.
Building Coverage Includes:
- The structure of your home, including its foundation, electrical and plumbing systems, central air and heating systems, water heaters, and permanently installed carpeting over unfinished flooring.
- Built-in appliances, such as dishwashers, refrigerators, and stoves.
- Permanently installed cabinets, paneling, and bookcases.
- Detached garages (up to 10% of your total building coverage can be used for detached garage damage, but this may reduce the overall amount available for the main building).
Contents Coverage Protects:
- Personal belongings such as clothing, furniture, and electronic equipment.
- Portable and window air conditioners.
- Carpets not included under building coverage (e.g., carpet installed over wood floors).
- Valuable items such as original artwork and furs (up to a certain value).
Exclusions to Keep in Mind
It’s important to note that flood insurance does not cover everything. For instance, damage caused by moisture, mildew, or mold that could have been avoided by the homeowner is not covered. Additionally, currency, precious metals, and valuable papers such as stock certificates are also excluded from coverage. Outdoor property such as decks, fences, patios, landscaping, wells and septic systems, and vehicles are typically not covered under standard flood insurance policies.
Instant Online Quotes, Binding, and Proposals
At DiamondBack Insurance, we understand that time is of the essence when securing flood insurance. That’s why we offer instant online quotes, allowing you to quickly understand the cost of your coverage. Our instant online binding feature means you can secure your policy immediately, ensuring that you’re protected without delay. Additionally, our instant online insurance proposals are customized to meet your specific needs, providing tailored coverage that offers optimal protection for your property and belongings.
Call to Action: Protect Your Home Today
Floods can happen anywhere and at any time, often with little warning. Ensuring that you have the right flood insurance coverage in place can save you from financial hardship in the event of a disaster. With DiamondBack Insurance, obtaining the coverage you need is simple and straightforward.
For an Instant Flood Insurance Quote, click here.
Don’t wait until it’s too late to think about flood insurance. Take the first step in protecting your home and possessions by securing a flood insurance policy with DiamondBack Insurance today. Our instant online tools make it easy to get the coverage you need quickly and efficiently, so you can have peace of mind no matter the weather.
