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.
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 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.
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:
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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