Flood Insurance

Custom Select Insurance Offers Flood Insurance for Arizona Residents

Flooding can occur in any part of the country. Flood events can cause thousands of dollars in losses to repair water damage and replace damaged possessions. Flood insurance is designed to help defray these costs. At Custom Select Insurance in Arizona, we offer policies to protect your property against unexpected flooding.

Do I Need Flood Insurance?

Many people think their homeowner's insurance covers flooding, but this is not true. Your homeowner's insurance only covers water damage inside the structure. Individuals that live in coastal areas generally acquire flood insurance to cover them during hurricanes and other high-water events. But flooding can also occur inland due to local waterways overflowing their banks or changes in topography caused by new development. If you have a mortgage, your financial institution may require you to have flood insurance. If you have received disaster assistance funding in the past, you will be required to purchase flood insurance to cover subsequent events. Separate policies are available for homeowners, businesses, and renters.

What Flood Insurance Covers

A flood insurance policy includes both building coverage and contents coverage. The building portion covers electrical and plumbing systems, foundation walls, staircases, detached garages, water tanks, solar energy equipment, furnaces, water heaters, installed carpeting, installed appliances, refrigerators, and ranges. The contents portion covers furniture, clothing, electronic equipment, curtains, window air conditioners, washers and dryers, microwave ovens, and carpeting not covered under the building portion. The contents portion also covers furs and original artwork to a certain level.

Choose Custom Select Insurance for Your Flood Insurance Coverage in Arizona

You may have many questions about coverage under a flood insurance policy. We can offer detailed information to help you understand the benefits of these policies. Contact Custom Select Insurance today for a no-obligation quote on flood insurance that can protect you against severe losses during a flooding event.