No. Standard Tennessee homeowners policies exclude flood damage, so you need a separate flood policy through the National Flood Insurance Program (NFIP) or a private flood insurer.
Flood includes rising water from rivers and creeks and heavy rain that overwhelms storm drains and enters from the ground up. Water that comes in through a storm-damaged roof may be covered by homeowners insurance. Water that rises into the home is not.
Tennessee has seen some of the worst flooding in the country, including the May 2010 Nashville flood, the August 2021 Waverly flood, and Hurricane Helene’s flooding in Northeast Tennessee in 2024.
Questions about your own policy? Ace Insurance Consultants in Knoxville helps homeowners and drivers across Tennessee compare options from multiple carriers.
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