Homeowners insurance typically doesn't cover flood damage in Destin & Fort Walton Beach Florida. If you're looking for flood protection, you would need to purchase a separate flood insurance policy from private insurance providers. Flood insurance is designed to cover damage to your home and belongings caused by flooding, which homeowners insurance doesn't usually include.
Flood insurance is particularly important if you live in an area prone to flooding, though even if you're in a low-risk zone, it can still be worth considering. Flood insurance typically covers your property and your personal property.
Property coverage might include:
- Walls, floors
- HVAC
- Built-in appliances
- Plumbing & electrical
Personal property coverages may include:
- Furniture and clothing
- Electronics and appliances
- Important documents
- Valuables
If you have questions whether your current homeowners policy is adequate or need to look into purchasing a flood insurance policy, contact Norton Insurance of Florida at 850-244-1574.