What is Insured Under Building Property Coverage?
- The insured building and its foundation
- The electrical and plumbing systems
- Central air conditioning equipment, furnaces, and water heaters
- Refrigerators, cooking stoves, and built-in appliances such as dishwashers
- Permanently installed carpeting over an unfinished floor
- Permanently installed paneling , wallboard, bookcases, and cabinets
- Window blinds
- Detached garages (up to 10% of building property coverage).
- Detached buildings (other than garages) require a separate building property policy
- Debris removal
What is Insured Under Personal Property Coverage?
- Personal belongings such as clothing, furniture, and electronic equipment
- Curtains
- Portable and window air conditioners
- Portable microwave ovens and dishwashers
- Carpets not included in building coverage
- Clothes washers and dryers
- Food freezers and the food in them
- Certain valuable items such as original artwork and furs (up to $2500)
What is Not Insured by Either Building Property or Personal Property Coverage?
- Damage caused by moisture, mildew, or mold that could have been avoided by the property owner
- Currency, precious metals, and valuable papers such as stock certificates
- Property and belongings outside of a building such as:
- Decks
- Fences
- Hot Tubs
- Patios
- Plants
- Seawalls
- Septic Systems
- Swimming Pools
- Walks
- Wells
- Trees
- Living expenses such as temporary housing
- Financial losses caused by business interruption or loss of use of insured property
- Most self-propelled vehicles such as cars, including their parts
Information adapted from FEMA’s pamphlet, "National Flood Insurance Program - Summary of Coverage".
