Flood Insurance in Tennessee

Floods can wreak havoc on a home, causing damage amounting to thousands of dollars. Golden Circle Insurance Agency in Brownsville is here to make sure that Tennessee residents are well-protected against such natural disasters with appropriate flood insurance policies.

Understanding Flood Insurance Coverage in Tennessee

A standard policy typically provides coverage for direct physical loss caused by flood damage to your home's structure and personal belongings. However, it's important to understand that not everything is covered. For instance, your policy does not cover damage caused by moisture, mildew, or mold that you could have avoided or property outside of the insured building, such as trees, decks, patios, fences, etc.

What is a Flood Zone in Tennessee?

A flood zone is an area designated by the Federal Emergency Management Agency (FEMA) as having a particular level of flood risk. Living in certain flood zones may require you to have flood insurance. Even if your area is not classified as a high-risk zone, purchasing flood insurance is a smart decision, as more than 20% of flood claims are from properties in moderate-to-low-risk areas.

Frequently Asked Questions About Flood Insurance

Is flood insurance mandatory? If your property is in a high-risk zone and you have a mortgage from a federally regulated or insured lender, you are mandated to have flood insurance.
What's the maximum coverage amount? FEMA sets these amounts. Currently, the maximum coverage for residential properties is $250,000 for building property and $100,000 for personal property.
How soon does a policy take effect? Typically, there's a 30-day waiting period from the date of purchase before your policy goes into effect.

Connect with Golden Circle Insurance Today

At Golden Circle Insurance Agency in Brownsville, we take the time to understand your unique needs and guide you to the most appropriate flood insurance coverage. For more information or to get a quote, reach out to our friendly team on our contact page. Secure your coverage and protect your home from flood damage today.