Flood Insurance in Nevada

Flood insurance will be the ideal coverage for residents living within Las Vegas, NV, with the area known to be vulnerable to flooding emergencies. A standard flood policy compensates you when various property is destroyed, keeping your property safe for the long term. Below, AmeriSent Insurance explains what to expect from Nevada flood insurance coverage.

What Does Flood Insurance Cover?

Content Coverage

Content such as furniture, clothing, and personal belongings are some items impacted by a flooding emergency, requiring replacement or repairs. Flood insurance reimburses you for these costs, allowing you to replace your belongings as needed.

Dwelling Coverage

Dwelling coverage keeps the structure of your home safe after flooding occurs. In addition to this, it will also come in handy for protecting built-in appliances such as bookshelves and cabinets.

What Is Not Covered by Flood Insurance?

While flooding insurance will be essential for the above disasters, not all costs will be taken care of. Some exclusions under this policy include the following:

• Additional living expenses such as accommodation fees, transport charges, and meal costs when your home becomes uninhabitable due to flooding
• Damage caused by mold or moisture that could have been avoided by regular property maintenance
• Damage to property stored in the basement
• Damage to outdoor structures. These include items such as pools, decks, and landscaping
• Damage caused by hazards such as earthquakes and mudslides
• Damage to self-propelled vehicles
• Damage caused by faulty pipes or pumps that lead to significant water damage in your home
• Damage to expensive art, jewelry, and stock certificates

Getting protection for these exclusions will typically require additional insurance, making it possible to get compensation for specific repair costs.

For more information on flooding coverage suited to Nevada, call Amerisent Insurance today. Our Las Vegas, NV agents will take you through the state-recommended flood policies and additional covers that will keep you protected year-round for peace of mind.