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Wenatchee Insurance Agency

413 N Mission St
Wenatchee, WA 98801

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Washington Flood Insurance Coverage

Flood Insurance in Washington

If your property is damaged, flood insurance will cover repair costs regardless of the cause. Flood insurance is necessary because most home insurance policies do not cover flooding. We offer flood insurance here at Wenatchee Insurance Agency in Wenatchee, WA. Our agents will help you find the right policy that matches your needs.

Flood Insurance Requirements

Flood insurance is not legally required in Washington state. However, your mortgage lender may require you to purchase flood insurance coverage if your home is located in a special flood hazard area.

Flood Insurance Coverage

Flood insurance will cover the structure of your home and its contents. However, it will not cover the land on which your home sits. Flood insurance covers the following:

  • Water heaters
  • Electrical and plumbing
  • Foundation
  • Central air and furnace systems
  • Carpeting that is permanently installed
  • Cooking stoves, refrigerators, and built-in appliances

Flood insurance covers the following contents in your home:

  • Electronics
  • Clothing
  • Furniture
  • Dishwashers
  • Washers and dryers
  • Portable AC units and microwaves
  • Carpeting

Depending on the location in which you reside, you may be at a much higher risk for flooding.

When purchasing flood insurance, always look at the contents you have in your home, and categorize them to obtain a value. There are typically limits associated with furs and artwork. In this case, you can always opt-in for additional protection.

Flood insurance doesn’t typically cover precious metals, valuable paperwork, or currency. Certain personal items in your basement, such as bookcases, shelving, and kitchen supplies, may not be covered.


To receive a flood insurance quote, call Wenatchee Insurance Agency today. We are located in Wenatchee, WA. Whether your home is located in a flood zone or not, flood insurance can still be of value to you. Our agents will be more than happy to address any questions or concerns you have.

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