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What Does Flood Insurance Cover?

flood insurance coverage

According to FEMA, a flood is defined as a condition where land that is typically dry and expands more than two acres is inundated with water. With Massachusetts being a coastal state, floods are more common than you may expect – and increasingly so. Although the most important step in protecting your property in the possible event of a flood is purchasing a policy, it’s also crucial to understand what is and isn’t covered.

In case of a flood, What is covered?

Under your flood insurance policy, some basic things should be covered. From your desktop computer to your electrical system, these belongings fall under two general categories – home and personal. Within these two groups are the following:

In your Home

  • Essential systems (including AC, electrical, plumbing, water heaters, etc)
  • Appliances (refrigerators, washing machines, stoves)
  • Carpeting
  • Window treatments (such as window blinds)
  • Cabinets
  • Building foundation (walls, staircases)
  • Detached garages


  • Personal property (clothing, furniture, electronics, etc.)
  • Portable air conditioners
  • Microwaves (and even the food within your fridge!)
  • Window curtains
  • Valuables (worth up to $2,500)

In addition to this, it’s also important to note that the building and home side of your policy will cover up to a maximum of $250,000, while the personal side will cover up to a maximum of $100,000.

And what is NOT covered?

Although the majority of your belongings should be covered under a flood insurance policy, there are some major exceptions. For instance, did you know that any property kept in your basement isn’t protected in the case of a flood? The list of property that your policy won’t cover includes the following:

  • Cars/vehicles (however, certain auto insurance policies may help here)
  • Damage caused by mildew or mold
  • Cash (or any other paper of monetary value, such as stock certificates)
  • Outdoor property (decks, patios, pools, fences, etc)
  • Property in basements
  • Living expenses (in the case your property becomes inhabitable)

Floods can have devastating effects on your home and business, but we’re here to make sure you’re informed and prepared in the case of a disaster. Any further questions regarding what is and isn’t covered under your policy? Reach out to a BRZ agent today – we’re here to help you.

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