Flood damage can be devastating for any family, and most flood losses are not covered by your standard home insurance policy. Also, don’t rely on the federal government to assist you in the event of a massive flood situation.
Your standard Ohio flood insurance policy would apply to homes, condos, mobile homes, businesses and rentals that are in flood zone areas. Typically, your flood insurance policy is dependent on your flood zone risk.
Building coverage is designed to protect the structure of your home or business and cover appliances and other property items that are considered part of your property including air conditioners, dishwashers and cabinets. You will also want to consider coverage for your personal property as well, such as furniture and clothing.