Standard homeowners insurance does not cover flood damage. Flooding can result from heavy rainfall, drainage overflow, or localized water accumulation — even outside designated flood zones.
Kentucky Bred Insurance helps Jeffersontown residents evaluate flood risk and determine whether separate flood coverage is appropriate.
Why Flood Insurance Is Important
- Foundation and structural damage
- Finished basements
- Flooring and appliances
- Personal belongings
Who Should Consider Flood Coverage
- Homes in low-lying areas
- Properties near drainage systems
- Homes with finished basements
- Homebuyers required by lenders to carry flood coverage
For broader property protection, review Home Insurance in Jeffersontown, KY.