{"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":[],"_links":{"self":[{"href":"https:\/\/www.affordins.com\/blog\/wp-json\/wp\/v2\/posts\/816","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.affordins.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.affordins.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.affordins.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.affordins.com\/blog\/wp-json\/wp\/v2\/comments?post=816"}],"version-history":[{"count":1,"href":"https:\/\/www.affordins.com\/blog\/wp-json\/wp\/v2\/posts\/816\/revisions"}],"predecessor-version":[{"id":817,"href":"https:\/\/www.affordins.com\/blog\/wp-json\/wp\/v2\/posts\/816\/revisions\/817"}],"wp:attachment":[{"href":"https:\/\/www.affordins.com\/blog\/wp-json\/wp\/v2\/media?parent=816"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.affordins.com\/blog\/wp-json\/wp\/v2\/categories?post=816"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.affordins.com\/blog\/wp-json\/wp\/v2\/tags?post=816"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}