What Does Flood Insurance Cover?

Flood insurance is critical to many properties in the Scottsdale, AZ area. With flood insurance, what can you expect in terms of coverage? What does flood insurance cover, and what can you expect to be made whole for in the event of a loss? The purchase of flood insurance in Scottsdale, AZ will help protect the value of items in which you take great value. The team at Alliance Insurance Partners helps customers daily better understand insurance coverage.

What Does Flood Insurance Cover?

The primary thing you will get as part of a flood insurance policy is building and content coverage. This will protect the structure as well as the belongings inside of it. Some things you will get coverage for as part of a flood insurance policy include many things inside the building. Some of the items inside the building you get coverage for include:

  • Electrical and plumbing systems
  • Furnaces
  • Water heaters
  • Cabinets, paneling, and appliances are all permanently installed
  • Foundations
  • Garages
  • Walls, staircases, as well as entryways
  • Energy equipment, including pumps, solar panels, and more

When it comes to content coverage, this will be inclusive of everything inside of the structure up to a certain dollar amount. The coverage will help reimburse you up to the limits on your policy after backing out the deductible.  


The Alliance Insurance Partners team helps Scottsdale, AZ owners of businesses and homes make great decisions regarding flood insurance. The first piece of the puzzle is to understand what you will get when it comes to coverage. The more you are aware of what flood insurance covers, the better a decision you will make when buying the policy.