Does Flood Insurance Cover Contents?

Utah may not seem like a state with a significant risk of flooding, but it can certainly happen here. Starting in 1996, more than 900 floods were reported during a 21-year period. When you live in an area at risk of flooding like Mapleton, UT, it’s crucial to know if insurance covers the contents of your home.

What’s Covered?

Some flood insurance policies only cover buildings. Others protect belongings or both the contents and the structure. If you have content coverage, it generally insures things like furnishings, small appliances, electronics, curtains, and clothes. It also covers laundry appliances and certain types of carpeting. Various limits or deductibles may apply.

A building-only flood policy typically covers some items you might consider content. They include dishwashers, refrigerators, water heaters, most stoves, permanent carpeting, blinds, and installed bookshelves. It insures most HVAC equipment as well. However, movable air conditioners are covered under content policies. On the other hand, tanks that contain fuel or water are generally protected by building flood insurance.

Basement Coverage

Due to the higher level of risk, insurers normally provide less coverage of rooms located wholly or partially underground. Generally, a contents policy excludes the storage of belongings in cellars. It usually covers basement items attached to power sources, such as chest freezers, laundry appliances, and air conditioners. The policy won’t protect the furniture or a spare TV set you store in your basement.

Mapleton, UT, residents can rely on Maple Mountain Insurance Services to help them find the ideal flood coverage for their homes and belongings. Our experienced staff will take the time to learn about your needs and identify a policy that meets them. To request a quote or further information, please call 801-396-3900 to reach Maple Mountain Insurance Services today.

How To Choose Flood Insurance in Utah

In Mapleton, UT, it’s important to have flood insurance. But how do you choose the right policy? There are a few things to consider when choosing flood insurance.

Do you live in a Special Flood Hazard Area (SFHA)?

Even if you don’t have a mortgage, getting flood insurance is good if you live in an SFHA. An agent at Maple Mountain Insurance Services can help you determine if you live in an SFHA. If you do, your lender will require you to have flood insurance.

What kind of coverage do you need?

There are two types of flood insurance policies: building property coverage and personal property coverage. Building property coverage covers the structure of your home or business. Personal property coverage covers your belongings.

How much coverage do you need?

Flood insurance policies have limits. If you have a mortgage, your lender will require you to buy enough insurance to cover the amount of your mortgage. Even if you don’t have a mortgage, buying enough insurance to rebuild your home or business is good.

What does flood insurance cover?

Flood insurance covers damage from floods, including water that enters your home or business through:

  • Doors
  • Windows
  • Vents
  • Cracks in walls or foundations

The exact coverage depends on the type of policy you have.

What does flood insurance not cover?

Flood insurance may not cover damage from:

  • Sewer backups
  • Overland water (from rivers or lakes) that enters your home or business through doors, windows, or vents
  • Water that enters your home or business through cracks in walls or foundations
  • Water that seeps into your home or business through the ground

If you have questions about flood insurance in Mapleton, UT, don’t hesitate to contact Maple Mountain Insurance Services. We are here to help!

Is flood insurance in Mapleton necessary?

When you live in the Mapleton, UT area, owning a home is a great option. With a home that you own, you will have a stable place to live and can enjoy long-term price appreciation. Those that would like to purchase a property in this area should get proper insurance at all times. For some in this area, proper insurance will need to include flood insurance. There are a few reasons why this coverage could be necessary here.

Coverage Will Protect Home Against Flood Damage

The risk of flood damage is something all property owners in Utah need to take seriously. If your home is at risk due to a local lake, river, or other hazards, you may receive only limited coverage through a home insurance plan. With flood coverage, you will know you have the protection needed to repair your home if it is severely damaged.

Coverage Could be Required

You may also need to have flood insurance if it is required by a mortgage lender. Those that have a home in a designated flood zone could have strict requirements in place surrounding insurance needs. A mortgage lender will want any borrower to maintain proper flood insurance as it will ensure their collateral is covered. Many lenders will also require that you establish monthly escrows to ensure payments continue. 

There continues to be a significant need to have flood insurance for some people in the Mapleton, UT area. If you need to have this coverage or are trying to determine if it is a necessity, it would be wise to call Maple Mountain Insurance Services. The insurance team with Maple Mountain Insurance Services can give you great support when trying to determine your flood insurance needs. This can help ensure you get into a new plan that offers the ideal protection. 

Things To Know Before Buying Flood Insurance

According to the statistics published in the Environmental Research Letter, approximately 41 million Americans live in flood zones. Therefore, having flood insurance is important – it protects a property, house, and all the belongings. However, before purchasing flood insurance, there are certain things you should know: 

  • Waiting period.  There is a 30-day waiting period after the purchase of insurance before it kicks in. Therefore, it is not recommended to wait until the storm season comes. You should purchase it as soon as possible, primarily if you are located in a flood-prone zone. 
  • Standard home insurance does not cover damages caused by floods.  Many homeowners decide to skip flood insurance because they believe that their homeowners’ insurance covers damages caused by water. Unfortunately, it is not valid. A standard home insurance policy might cover damages from a busted pipe, but it will not cover water coming from outside into a house. 
  • Businesses need flood insurance too.  If you run a business, you may have expensive and valuable technology, equipment, and furniture. Therefore, it is recommended for all business owners to have commercial flood insurance too. 
  • There are two ways to get flood insurance.  You can either find a flood insurance policy with the help of one of the insurance companies or purchase it through the National Flood Insurance Program (NFIP). 

If you are a resident of Mapleton, UT, you may think that you do not need flood insurance. However,  the statistics say that between 40 and 100 floods are occurring in the Utah area every year. If you decide to get this type of insurance to protect your property and belongings, Maple Mountain Insurance Services is ready to help. Maple Mountain Insurance Services is an independent insurance agency dedicated to treating its customers in the most professional manner. Do not hesitate to contact our office to find out about affordable and reliable insurance coverage available. 


What Residents of Utah Need to Know about Flood Insurance

Did you know that as a 30-year homeowner, you are more likely to experience a flood than a fire? Although much of Utah is desert, this state is still susceptible to flooding. However, by knowing what types of hazards are present in Mapleton, UT, you can prepare yourself for a possible flood. Read on to learn more.

Flash Floods

This type of highly dangerous flood occurs in all 50 states, and as a resident of Utah, you should be prepared for this event. Flash floods come fast and furious. They are the result of a substantial amount of rainfall, quickly melting ice, and more, that make bodies of water, such as riverbeds, overflow. If you live near a river, slot canyon, or a dam, a flash flood could engulf your home. You’ll need a particular insurance policy to protect yourself from this kind of flooding.

Faulty Pipes

A burst pipe can result in flooding damage to your home. This gets expensive very quickly. Imagine everything you own sopping wet and ruined. If this were to happen, it’s essential to call in a professional right away to minimize the water damage and immediately make a claim with your insurance company.

Purchase Flood Insurance

The best way to protect yourself against flooding, either by an act of nature, faulty pipes, or a leaking roof, is by acquiring flood insurance. The friendly team at Maple Mountain Insurance Services in Mapleton, UT will go over potential flood hazards for your property and help you find a flood policy to protect you, your family, and your property. Give us a call today with all your questions and concerns. Maple Mountain Insurance Services can be reached right now by phone, email, or come and visit our office to speak with an agent.