Did you know that neither standard homeowners insurance nor business property insurance cover flood damage? In areas of rural Alabama and Mississippi, this can leave property owners open to huge risk. Fortunately, you can get affordable flood insurance through CIS Insurance Agency. Locally owned and operated, our independent insurance agency can help you weather the storm.

The National Flood Insurance Program (NFIP)

In order to help homeowners and businesses affected by flooding, Congress created NFIP in 1968. This program makes flood insurance available to homeowners, business owners and renters living and doing business in communities that participate in the NFIP. In return, the communities adopt and enforce ordinances required or recommended by FEMA to reduce flood risks. The experienced insurance professional at CIS Insurance Agency can help you learn more.

Types of Flood Insurance

Flood insurance can cover either a building or building contents. It does not cover land occupied by an insured building or personal property.

Building coverage includes

• The insured building
• Electrical and plumbing systems
• HVAC equipment and water heaters
• Most large and built-in appliances
• Carpeting permanently installed over unfinished floors

Contents coverage includes

• Portable air conditioners and window units
• Removable window coverings such as curtains, draperies and blinds
• Portable microwaves and dishwashers
• Carpeting not included in building coverage
• Washers and dryers
• Clothing, furniture and electronic equipment

For broadest coverage, property owners who live or do business in the property they insure should carry both forms of flood insurance. Renters only need to purchase contents coverage, and most landlords and property managers will only require building coverage. If you have questions about what type of coverage best suits your needs, contact CIS Insurance Agency for more information.

Don’t leave your home or other property exposed to risk of flood damage. Request a free online quote today.

Get a Free Flood Insurance Quote