Flood insurance is often an additional policy that homeowners or renters acquire to protect their belongings in the event of a flood. However, it’s important to understand whether this coverage extends to your ATVs or if you need a separate insurance policy through Front Range Insurance Services.

What Does Standard Flood Insurance Cover?

Flood insurance is primarily designed to restore the structure of the house, making it safe and livable again. It typically covers repairs to the foundation and other structural components. Some policies may also cover essential elements, such as a furnace, water heater, or other necessary systems for living in the home.

Basic flood insurance coverage often does not include personal property or additional features of the house, such as carpeting. Homeowners may have the option to upgrade their policy to include personal property coverage, depending on the insurance provider.

Understanding Exclusions

Like all insurance policies, flood insurance comes with exclusions. It generally covers damage directly caused by a flood but does not extend to water damage from unrelated incidents, such as a burst pipe.

Many policies in Littleton, CO, only cover damage caused by floodwaters. For example, if a flood leads to earth movement and the earth movement causes damage, flood insurance may not provide coverage because the damage was caused by earth movement rather than the flood itself.

Additionally, most flood insurance policies exclude vehicles of any kind, including cars, trucks, watercraft (such as boats), and recreational vehicles like all-terrain vehicles (ATVs).

How Can You Protect Your ATV?

While flood insurance may not cover your ATV, there are other insurance options available. Recreational insurance can be customized to suit various types of recreational vehicles. In some cases, homeowners’ insurance policies may also provide coverage for recreational vehicles.

The type of coverage you need often depends on the insurance provider. At Front Range Insurance Services, we understand the importance of protecting your ATVs in the event of an incident, including natural disasters. Contact us today to discuss your concerns, and we’ll help you find the coverage you need. We proudly serve the Littleton, CO, area.