Does flood insurance cover items in my basement?

Some items in your basement, such as heating and cooling systems, structural features, washers and dryers, freezers, and certain utility connections are covered by flood insurance. Some items related to a finished basement, however, such as flooring, carpeting, and furniture, are usually not covered by flood insurance policies.

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.

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