{"id":137,"date":"2025-12-31T12:00:00","date_gmt":"2025-12-31T18:00:00","guid":{"rendered":"https:\/\/www.alancaster.com\/blog\/?p=137"},"modified":"2025-12-11T12:53:36","modified_gmt":"2025-12-11T18:53:36","slug":"what-doesn-t-flood-insurance-cover","status":"publish","type":"post","link":"https:\/\/www.alancaster.com\/blog\/what-doesn-t-flood-insurance-cover\/","title":{"rendered":"What Doesn&#8217;t Flood Insurance Cover?"},"content":{"rendered":"<p>Flooding is an issue in Memphis, TN, due to its location on the Mississippi River. It&#8217;s a problem that&#8217;s as old as the city, and thousands of homes are at risk of flooding. It&#8217;s a good idea to get flood insurance to protect your home against water damage, even if you&#8217;re not near flood-prone areas. At Anthony Lancaster Insurance, Inc., we help our customers understand how this type of insurance works. Here&#8217;s a look at what it doesn&#8217;t cover.&nbsp;<\/p>\n<h2>Flood Insurance Won&#8217;t Cover Everything<\/h2>\n<p>Basic flood insurance through the National Flood Insurance Program (NFIP) is limited to replacing certain items, including your home. However, it doesn&#8217;t cover the following:<\/p>\n<ul>\n<li>Valuable papers, precious metals, stock certificates, and money in the form of currency<\/li>\n<li>Vehicles<\/li>\n<li>Personal items stored in a basement<\/li>\n<li>External structures such as pools, decks, and septic systems<\/li>\n<li>Temporary housing costs and related living expenses during home repair<\/li>\n<\/ul>\n<p>Understanding what flood insurance doesn&#8217;t cover can help you make plans to protect these items. You&#8217;re less likely to lose valuables when you have a contingency plan.&nbsp;<\/p>\n<h2>Why Flood Insurance Coverage Is Limited to Certain Items<\/h2>\n<p>Some of your possessions are covered by their insurance policies. For example, your car is covered for flood damage as long as you have a comprehensive insurance policy. It&#8217;s worth noting that basic homeowners insurance will not cover any damage caused by flooding.&nbsp;<\/p>\n<h2>Contact Anthony Lancaster Insurance, Inc. for More Information<\/h2>\n<p>Navigating flood insurance can be difficult. Our agents are here to show you what a policy does and doesn&#8217;t cover, and how it works when making a claim. Contact us to learn more and find out why it&#8217;s a good idea to get insured against flood damage. We&#8217;re currently serving Memphis, TN.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Flooding is an issue in Memphis, TN, due to its location on the Mississippi River. It&#8217;s a problem that&#8217;s as old as the city, and thousands of homes are at risk of flooding. It&#8217;s a good idea to get flood insurance to protect your home against water damage, even if you&#8217;re not near flood-prone areas. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[12,29,22,25,26],"class_list":["post-137","post","type-post","status-publish","format-standard","hentry","category-flood-insurance","tag-anthony-lancaster-insurance-inc-2","tag-flood","tag-insurance","tag-memphis","tag-tn"],"_links":{"self":[{"href":"https:\/\/www.alancaster.com\/blog\/wp-json\/wp\/v2\/posts\/137","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.alancaster.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.alancaster.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.alancaster.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.alancaster.com\/blog\/wp-json\/wp\/v2\/comments?post=137"}],"version-history":[{"count":1,"href":"https:\/\/www.alancaster.com\/blog\/wp-json\/wp\/v2\/posts\/137\/revisions"}],"predecessor-version":[{"id":138,"href":"https:\/\/www.alancaster.com\/blog\/wp-json\/wp\/v2\/posts\/137\/revisions\/138"}],"wp:attachment":[{"href":"https:\/\/www.alancaster.com\/blog\/wp-json\/wp\/v2\/media?parent=137"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.alancaster.com\/blog\/wp-json\/wp\/v2\/categories?post=137"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.alancaster.com\/blog\/wp-json\/wp\/v2\/tags?post=137"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}