Heavy rains Seasonal runoff Overflowing rivers Hurricanes These are just some of the ways flooding can happen. Are you prepared if you don’t have a flood insurance policy It’s important to consider how one might help you It’s also important to know that homeowners insurance typically does not cover flood damage Flood insurance is a separate policy Your insurance agent may be able to help you purchase it through the federal government’s National Flood Insurance Program. A flood insurance policy offers two types of coverage building property coverage helps pay to repair the physical structure of your home and its foundation and components like siding interior walls and floors plumbing and electrical materials if they are damaged by flood water Flood insurance can provide up to two hundred and fifty thousand dollars in building property coverage Flood insurance also includes personal contents coverage which helps pay to repair or replace your belongings such as clothing furniture and electronics. A flood insurance policy can provide up to one hundred thousand dollars in coverage for your belongings Keep in mind though that while flood insurance may cover appliances such as a furnace in your basement it does not cover damage to belongings you store there or damage to things like walls and floors and below ground rooms. A local Allstate agent can help you learn more about flood insurance and purchase a policy through the National Flood Insurance Program If it’s available in your area Want to learn more? Contact an Allstate agent.