• Home
• Flood Insurance

Flood Insurance in Alabama

Did you know that your typical home insurance doesn’t protect you from floods? Regrettably, most homeowners find this bitter truth when it’s too late. At Magic City Insurance Group LLC in Vestavia, AL, we are prepared to help you learn about flood insurance — coverage that will protect you when floods come knocking on your doors.

Is flood insurance required in Alabama, Mississippi, Tennessee, or Texas?

If a federal-regulated lender finances your house, you must purchase flood insurance if you live in a high flood risk area. Still, even if your home is located in a low to moderate flood area, your mortgage lender may require you to purchase flood insurance.

What does flood insurance cover?

Flood insurance covers the building and the contents inside. It doesn’t cover the land your building is sitting on. Here are the two common types of flood insurance:

Building coverage

It covers the below:

• Electrical and plumbing system
• Permanently installed carpets
• Debris removal
• Building foundation and walls
• Air conditioning system

Contents coverage

It covers the below:

• Personal items like furniture, electronics, and clothing
• Movable microwaves
• Portable air conditioners
• Washers and dryers
• Other items included in your policy

To note is that flood insurance has some exclusions. Typical flood insurance doesn’t cover mold damage, temporal living expenses, property outside the insured building such as fence, trees, and swimming pool.

Am I eligible for flood insurance?

Everyone is eligible for flood insurance, regardless of where you live. And as you will learn, flood insurance is must-have insurance for all homeowners because floods can strike anywhere. You don’t have to live along the coastline for floods to strike. Anywhere it rains, flash floods can strike, and that’s why all homeowners should invest in flood insurance.

Buy flood insurance today!

Are you looking for flood insurance in Alabama, Mississippi, Tennessee, or Texas? Why don’t you get in touch with Magic City Insurance Group LLC in Vestavia, AL? We offer affordable flood insurance that suits your unique needs.