Flooding is a major concern in North Carolina. Among other things, it can harm your home’s floors, carpets, walls, and electrical system. A flood may also damage or destroy appliances. Flood insurance often protects home appliances, but coverage varies depending on the policy, type of equipment, and circumstances.
Types of Insurance
If you have building flood insurance, it generally covers installed and/or major nonlaundry appliances. They include stoves, heat pumps, refrigerators, water heaters, dishwashers, and furnaces. Contents insurance protects most other appliances. It covers things like portable air conditioners, dryers, washing machines, and countertop microwaves. To protect all of your appliances, you’ll probably need building and contents insurance.
Coverage Exceptions
It depends on the specific policy, but flood insurance frequently excludes certain appliances and portions of the home. If you store spare equipment in a cellar or another area that’s at least partially underground, it might not be covered. Contents insurance may protect basement freezers, air conditioners, and laundry appliances if they’re plugged into electrical outlets and being actively used. Some policies exclude generators and/or dehumidifiers.
Types of Flooding
Flood insurance generally covers floods that happen when a body of water rises above its normal level or rain falls too quickly to drain adequately. Other kinds of flooding usually aren’t covered. Flood insurance doesn’t protect against things like roof leaks, burst pipes or other plumbing-related problems. In some cases, a home insurance policy will cover them.
If you’re searching for flood insurance that dependably covers your North Carolina home and its valuable appliances, the pros at Lee Insurance Agency LLC can assist you. Our independent agency will help you find a suitable policy and compare different options from multiple insurers. To contact Lee Insurance Agency LLC and get started, call 919-963-2059.
