BUILDING COVERAGE PROTECTS YOUR:

• Electrical and plumbing systems
• Furnaces and water heaters
• Refrigerators, cooking stoves, and built-in appliances like dishwashers
• Permanently installed carpeting
• Permanently installed cabinets, paneling, and bookcases
• Window blinds
• Foundation walls, anchorage systems, and staircases
• Detached garages
• Fuel tanks, well water tanks, pumps, and solar energy equipment

CONTENTS COVERAGE PROTECTS YOUR:

• Personal belongings such as clothing, furniture, and electronic equipment
• Curtains
• Washer and dryer
• Portable and window air conditioners
• Microwave oven
• Carpets not included in building coverage (e.g., carpet installed over wood floors)
• Valuable items such as original artwork and furs (up to $2,500)

Items not covered by building or contents coverage:

• Temporary housing and additional living expenses incurred while the building is being repaired or is unable to be occupied
• Property outside of an insured building. For example, landscaping, wells, septic systems, decks and patios, fences, seawalls, hot tubs, and swimming pools
• Financial losses caused by business interruption
• Currency, precious metals, stock certificates and other valuable papers
• Cars and most self-propelled vehicles, including their parts
• Personal property kept in basements

Common Flood Insurance Myths

• You can’t buy (or you only need) flood insurance if you are located in a high-risk flood area
• Homeowners’ insurance policies cover flooding (Not unless you purchased a separate rider)
• You can’t buy flood insurance if your property has been flooded
• Flood insurance can only be purchased through the NFIP directly
• The NFIP does not offer any basement coverage
• Flood insurance is only available for homeowners (renters can buy contents policies)
• You can purchase flood insurance immediately before or during a flood.
• Federal disaster assistance will automatically pay for flood damage. (Average payout $4,500)