Ohio is no stranger to natural disasters. During the course of the year, Ohio homeowners may face such threats as wildfires, severe storms, tornadoes, and flooding. Floods can occur almost anywhere in the state, including Cincinnati Flood insurance from Advantage Insurance Network can compensate you for a flood loss. Here’s what you should know about flood coverage.

What Flood Insurance Covers

Flood insurance offers two-fold coverage for your home: protection for your home structure and protection for your contents.  

Structural coverage protects your home structure to include its foundation, walls, wall-to-wall carpeting, electrical system, plumbing system, and built-in appliances. You can purchase this coverage for up to $250,000.

Contents coverage protects your belongings – your clothes, electronics, minor appliances, furniture, sports gear, paintings, etc. for up to $100,000.

What Flood Insurance Doesn’t Cover

Items such as cash, stocks, and bonds and precious metals are not covered by flood insurance and should be kept in a location safe from flooding. Property located outside your home such as grills, patio furniture, landscaping, pools and pool decks, and hot tubs are also exempt from flood insurance coverage.   

Who Needs Flood Coverage

Many homeowners are under the misconception that floods only occur in high-risk flood zone areas. Contrary to popular belief,  floods can occur almost anywhere. A substantial amount of rain can cause rivers or dams to overflow, causing flooding in Cincinnati, OH and other inland areas.

It only takes a few inches of floodwater to devastate a home. As home insurance doesn’t cover flood damage, lack of flood insurance protection could lead to financial ruin. Knowing the extensive damage that floods can cause should prompt you to add flood coverage to your home’s insurance package.

To purchase flood insurance for your Cincinnati, OH home, contact an agent from Advantage Insurance Network.