Flood Insurance 

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flood insurance cape coral, fl
Flood insurance protects a structure and its contents from water damage caused by a flood, which is technically defined as a temporary condition where two or more acres of normally dry land are inundated by water or mudflow. Homeowners insurance does not cover damages caused by a flood, so anyone with a home in an area susceptible to flooding should consider purchasing flood insurance.

What Does Flood Insurance Cover?

Flood insurance protects two types of property: the structure of your home and the contents. This distinction is made because each have their own deductibles and limits, respectively. Note that flood insurance policies do not cover the land your home sits on.
The coverage for the structure of your home typically includes: 
  • Foundation
  • Electrical and plumbing
  • Central air systems and furnace
  • Water heaters
  • Refrigerators, cooking stoves and built-in appliances
  • Permanently installed carpeting over unfinished floor
Contents inside your home that can be protected by a flood insurance policy include:
  • Clothing
  • Furniture
  • Electronics 
  • Portable microwaves and portable air conditioners
  • Dishwashers
  • Washers and dryers
  • Carpeting that is not covered as part of the structure

Call Today (239) 829-0200

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