Flood Insurance in Battle Creek, MI

Flood insurance is a type of property insurance that may help cover damage caused by flooding. Standard homeowners and renters policies do not include flood coverage, leaving property owners vulnerable to losses from rising water. Flood insurance is usually required in high-risk flood zones and can be purchased voluntarily in moderate- to low-risk areas.

What Does Flood Insurance Cover?

Flood insurance policies are composed of two types of coverage:

1. Building property coverage may include the following:

• Foundation, walls, and staircases

• Electrical and plumbing systems

• Central air and heating systems

• Water heaters

• Built-in appliances and cabinetry

• Detached garages (up to a limit)
  

• Personal contents coverage may include the following:

• Clothing, furniture and electronics

• Curtains and portable appliances

• Washers and dryers

• Food freezers and the food inside

• Valuable items (up to a set limit)

Flood insurance does not pay for all types of damage. Common exclusions are landslides, moisture or mold that could have been prevented. Flood insurance does not cover temporary housing and loss of income. Vehicles and outdoor property such as decks, fences and landscaping are also typically not covered.

Where to Get Flood Insurance

Most flood insurance policies are written through the National Flood Insurance Program (NFIP), which is managed by FEMA. You can purchase NFIP policies through licensed insurance agents or companies participating in the program. Some private insurers also offer flood coverage, especially for properties with high value or those not eligible for NFIP.

Contact Us

Allen Harmon Insurance can help you get flood insurance. Contact us today to get a custom quote.