Does the National Flood Insurance Plan cover basement improvements such as a game room?
A.No. Flood insurance does not cover finished walls, floors, carpeting, and personal belongings. It does cover your foundation. Also, functional items such as plumbing, furnace, water heater and circuit breakers are covered under your policy’s building coverage. Other limited items such as washer or dryer or a freezer are covered under your policy’s contents coverage, which must be purchased in addition to building coverage. Back to list.
A. No. Flood insurance does not cover finished walls, floors, carpeting, and personal belongings. It does cover your foundation. Also, functional items such as plumbing, furnace, water heater and circuit breakers are covered under your policy’s building coverage. Other limited items such as washer or dryer or a freezer are covered under your policy’s contents coverage, which must be purchased in addition to building coverage. Back to list.
