Living in a high-risk area like Foley, AL, protection against flood damage is essential for every home, regardless of size and precise location. Unfortunately, regular homeowners’ insurance policies seldom cover flooding, so acquiring suitable flood insurance for your house or property is crucial. Knowledge about what your flood insurance will cover is a stepping stone to finding the right policy for you and your properties, and the expert team at Southern Risk Associates is here to help.
Personal Property
A flood insurance policy for your home in Foley includes coverage for personal property. This will protect valuable items, electronics, furniture, and other personal belongings from loss or damage due to a flood.
Structure and Building Coverage
Once you have a flood insurance policy set up, the following areas of your home will be protected from potential flood damage:
- HVAC: Your home’s HVAC system and included ventilation systems throughout the property are covered.
- Plumbing and Electrical: Plumbing systems and electrical wiring are covered by flood insurance policies if they are damaged or destroyed due to water damage or flooding.
- Structure: This covers the dwelling and structure of your home, including the foundation, roof, walls, and even certain built-in home appliances.
Southern Risk Associates is here to help when you decide to invest in flood insurance for your Foley, AL, home. We will work with you to find the best flood policy based on a risk analysis and comprehensive assessment of your home. To learn more about your options for flood insurance in Foley, AL, contact Southern Risk Associates to speak directly with one of our experienced insurance agents today.
