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Whether you live on the coast, near a river or even in a land-locked town with no body of water nearby, floods can happen just about anywhere it rains. A deluge can turn a stream, pond or city street into a flood risk.
*A homeowners policy does not protect against loss or damage from a flood.
Do I need flood insurance?
Flood insurance coverage comes in two categories:
Building coverage helps pay for damage to the physical structure of your home — the building, the plumbing, the electrical system, heating and cooling, appliances and things that are permanently installed, such as carpeting, bookshelves and kitchen cabinets. Services like debris removal may also be included.
Contents coverage can help you replace your belongings — your furniture, smaller appliances, computers, clothing — and provide limited coverage for items such as antiques and artwork. Unless you have contents coverage, your flood-damaged belongings are not covered.
These two types of flood insurance coverage are purchased separately within your policy and will have separate deductibles.
Other details specific to your home are also factored into the cost of flood insurance, such as your home’s:
Learn more by visiting: www.fema.gov/flood-insurance
Contact MVR (914) 693-3500 today, for an NFIP quote, and start protecting your home from flood damage costs.