Many flood insurance policies cover more than just your home

This is an archived article and the information in the article may be outdated. Please look at the time stamp on the story to see when it was last updated.

ST. LOUIS, MO (KTVI) – If you have flood insurance it should cover the physical structure of your home and its foundation. According to Allstate’s website, “The physical structure of your home and its foundation; plumbing and electrical systems; central air and heating systems; attached bookcases, cabinets and paneling; and a detached garage.”

Keep in mind that for most policies there is a maximum coverage limit of $250,000. There’s also something called, “Personal contents coverage” in some policies. It can help protect: clothing, furniture,electronics and lost food. The normal maximum coverage limit for that is $100,000.

Look carefully at your policy to find out what’s specific to your situation.