Flood Insurance
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Does my homeowners insurance cover flood damage?
No, homeowners insurance does NOT cover flood damage. You need a separate flood insurance policy to protect your home and belongings.
What does flood insurance cover?
Most policies include:
Building coverage – Covers your home's structure, foundation, electrical, plumbing, and major appliances.
Contents coverage – Protects personal belongings like furniture, clothing, and electronics.
Do I need flood insurance if I’m not in a high-risk area?
Yes! 25% of flood claims come from low- to moderate-risk areas. Flooding can happen anywhere due to storms, heavy rain, or rapid snowmelt.
Is flood insurance required?
If you have a federally backed mortgage in a high-risk flood zone, it’s mandatory. Even if it’s not required, it’s highly recommended.
Is there a waiting period before coverage starts?
Yes, most policies have a 30-day waiting period, so don’t wait until a storm is coming to get covered.
What if I rent? Can I get flood insurance?
Yes! Renters can get contents-only flood insurance to protect their personal belongings from flood damage.
Why choose Hutsenpiller Insurance?
Independent and Local: As an independent insurance agency, we work for you, not the insurance companies. This allows us to offer a wide range of options from multiple top-rated insurers, ensuring you get the best coverage at the most competitive rates.
Personalized Service: Our team takes the time to understand your specific situation and tailor insurance plans that fit your lifestyle and budget.
Experienced Agents: With years of experience in the industry, our knowledgeable agents are here to guide you through the insurance process, making it simple and hassle-free.
Community-Focused: We are proud to serve the residents of Tennessee, and our commitment to the local community sets us apart.
Flood Insurance Coverage
We offer the following options;
- Flood – An excess of water on normally dry land, affecting two or more properties or acres.
- National Flood Insurance Program (NFIP) – Government-backed program that gives flood insurance to homeowners, renters, and businesses.
- Flood Zone – A FEMA-designated area that indicates the level of flood risk, such as high-risk (Zone A or V) or low-to-moderate risk (Zone X).
- Base Flood Elevation (BFE) – The height at which floodwaters are expected to rise in a 100-year flood event
- Building Coverage – Protects a home’s structure, foundation, electrical, plumbing, and appliances from flood damage.
- Contents Coverage – Covers personal belongings like furniture, clothing, and electronics damaged by flooding.
- Preferred Risk Policy (PRP) – A lower-cost flood insurance option for homes in low- to moderate-risk flood zones
- Exclusions – Flood insurance does not cover basement improvements, outdoor property, or temporary housing costs.