Flood insurance covers direct physical damage caused by flooding to your home’s structure and, if you buy it, your personal belongings.
NFIP policies cover up to $250,000 for the building and $100,000 for contents on a single-family home.
- Building coverage: foundation, electrical and plumbing systems, HVAC, water heaters, built-in appliances, cabinets, flooring, and detached garages.
- Contents coverage: furniture, clothing, electronics, and portable appliances. This must be purchased separately.
- Not covered by NFIP: vehicles, which need auto Comprehensive coverage; temporary living expenses; money; and most items in basements.
Basements are common in East Tennessee, and NFIP coverage there is limited, so private flood policies with broader basement coverage can be worth comparing.
Questions about your own policy? Ace Insurance Consultants in Knoxville helps homeowners and drivers across Tennessee compare options from multiple carriers.
Related FAQs
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