Flood insurance policies cover physical damage to your property and possessions. You can use the following list as a general guide to what is and isn't covered or simply refer to the Summary of Coverage (PDF 108K) to help you better understand your policy and coverage.
Coverage is limited in basements regardless of flood zone or date of construction. It's also limited in areas below the lowest elevated floor, depending on the flood zone and date of construction. These areas include:
Make sure to ask your agent for additional details on your basement coverage.
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