Flood Insurance

Flood Insurance In Rhode Island

Floods are one of the most devastating natural disasters that happen in the United States. No state is spared from the catastrophic damage they cause. Rhode Island is no exception. In 2010, devastating floods followed months of rain, and flooding records were broken all over the state. If you think you don't live in an area prone to floods, you might want to rethink that thought. At Lennon Insurance Agency LLC, we are locally owned and operated, and we offer residents of Rhode Island the benefit of our years of experience.

Many people think their home insurance covers flood damage, but that is not the case. You need to purchase a separate flood insurance policy. These policies are offered through the auspices of the NFIP (National Flood Insurance Plan) and are available from your local insurance agents as long as the town that you reside in agrees they cover enact and enforce laws that meet or exceed FEMA's floodplain requirements. This insurance was designed to keep people from needing to apply for disaster assistance when a flood causes damage.

Two types of flood insurance are available. Customers can opt to buy one or both. It is their choice. Both are valuable. You can choose building coverage and/or content coverage.

Building coverage

This coverage protects the physical building and its foundation. It covers major systems like electric, heating and cooling, water heaters, fuel tanks, and the fuel in them and well water tanks. It includes major appliances such a refrigerator, stoves, and built-ins like a dishwasher. Anything that is permanently installed is covered, such as kitchen cabinets, builtin bookcases, and carpet installed over an unfinished floor.


The contents are belongings. Things like furniture, electronics, clothing, decor, portable appliances including washer and dryer, food freezers, and the food in them and window air conditioners.

Flooding can cause an amazing amount of devastation and making sure you are protected is something that gives you peace of mind. Call Lennon Insurance Agency LLC in Rhode Island for your flood insurance needs.

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