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Free self-assessment

Will flood insurance pay for what's in your basement?

Answer three quick questions. You'll watch your basement build itself and see what gets covered and what doesn't.

What kind of basement is it?

This is the first question that matters. A walkout has at least one side where the floor is at ground level, usually with a door to the yard.

Is it finished?
What's down there? Check everything that applies.

The furnace, water heater, electrical and stairs are always shown. Add the rest so the picture looks like your basement.

Which kind of policy?

Prefer to talk it through with a person?
Human help is always here. It just isn't required.

Call Chris: 205-451-4294

This is general guidance, not a policy. NFIP results follow the Standard Flood Insurance Policy's basement rules, where a basement is any area with its floor below ground level on all sides. Private flood policies vary by carrier, so we confirm exactly what's covered before you buy. Always check with your lender for the exact flood insurance requirements on your loan.