{"id":816,"date":"2022-06-28T04:00:00","date_gmt":"2022-06-28T10:00:00","guid":{"rendered":"https:\/\/www.affordins.com\/blog\/?p=816"},"modified":"2022-06-28T20:11:20","modified_gmt":"2022-06-29T02:11:20","slug":"flood-insurance-options-for-arkansas-residents","status":"publish","type":"post","link":"https:\/\/www.affordins.com\/blog\/flood-insurance-options-for-arkansas-residents\/","title":{"rendered":"Flood Insurance Options for Arkansas Residents"},"content":{"rendered":"<p>Flood insurance is a separate insurance policy from your primary insurance policy. Here are the key facts about flood insurance and how Affordable Insurance Inc. in&nbsp;Mountain Home, AR&nbsp;can help.<\/p>\n<h2>What is Flood Insurance?<\/h2>\n<p>Flood insurance is a kind of coverage that is separate from your homeowners&#8217; insurance policy. In most scenarios, flood insurance is not mandatory. However, if you live in a high-risk flooding area, such as Mountain Home AR, this insurance might be required.&nbsp;<\/p>\n<h3>What Does Flood Insurance Cover?<\/h3>\n<p>Flood insurance is coverage for your dwelling and personal belongings in the event they are damaged by flooding. Dwelling coverage includes, but is not limited to:<\/p>\n<ul>\n<li>Detached garages<\/li>\n<li>Attached structures<\/li>\n<li>Construction materials<\/li>\n<li>Ranges, refrigerators, and built-in appliances (ex. central AC, garbage disposal)<\/li>\n<li>Hot water heaters<\/li>\n<li>Light fixtures<\/li>\n<li>Built-in cabinets, bookcases, and cupboards<\/li>\n<li>Awnings and canopies<\/li>\n<li>Permanent carpeting<\/li>\n<\/ul>\n<p>Flood insurance also covers personal property insurance, which includes:<\/p>\n<ul>\n<li>Removable carpets<\/li>\n<li>Washer and dryer<\/li>\n<li>Personal belongings owned by you, your household, or guests<\/li>\n<li>Valuable items (collectibles, artwork, jewelry)&nbsp;<\/li>\n<\/ul>\n<p>Other items that are covered by flood insurance include the cost of debris removal and loss-avoidance measures, such as the cost of removing property before a flood and sandbags.<\/p>\n<h3>What is Not Covered by Flood Insurance?<\/h3>\n<p>There are certain things flood insurance does not cover, such as:<\/p>\n<ul>\n<li>Decks, fences, and patios<\/li>\n<li>Additional living expenses<\/li>\n<li>Currency, precious metals, and stock certificates<\/li>\n<li>Swimming pools and septic tanks<\/li>\n<li>Personal property that is stored in crawl spaces or basements<\/li>\n<li>Cars and self-propelled vehicles<\/li>\n<\/ul>\n<h3>Flood Insurance Coverage Limits<\/h3>\n<p>Coverage limits for flood insurance that are sold through the National Flood Insurance Program (NFIP) insure a specific amount for building property coverage and a certain amount for your personal property. You can also purchase a flood insurance policy that covers only your personal property. You might be able to attain higher coverage limits with private flood insurance.<\/p>\n<h3>Contact Us Today<\/h3>\n<p>Affordable Insurance Inc. in&nbsp;Mountain Home, AR&nbsp;is here to provide you with flood insurance options that suit your needs. Contact us today to learn about the insurance services we provide.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Flood insurance is a separate insurance policy from your primary insurance policy. Here are the key facts about flood insurance and how Affordable Insurance Inc. in&nbsp;Mountain Home, AR&nbsp;can help. What is Flood Insurance? Flood insurance is a kind of coverage that is separate from your homeowners&#8217; insurance policy. In most scenarios, flood insurance is not [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[17,14],"class_list":["post-816","post","type-post","status-publish","format-standard","hentry","category-flood-insurance","tag-affordable-insurance-inc-2","tag-mountain-home-ar"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"robots\" content=\"max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n\t<meta name=\"author\" content=\"admin\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.affordins.com\/blog\/flood-insurance-options-for-arkansas-residents\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.10\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Blog | Affordable Insurance |\" 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