Home & everyday life

Flood insurance in Tennessee

Make flood a separate coverage conversation.

Illustration of rising water in front of a house, representing flood exposure.

Flood insurance deserves a separate review from the homeowners or renters policy. Richard Moore Insurance Agency lists flood insurance among its services. Ask the agency which options are available for your Tennessee property and what information is needed to compare them.

What to discuss

A closer look at the coverage.

Building and contents

Ask what is insured, which limits apply, and whether separate building and contents coverages are needed for your situation.

Timing

Discuss the effective date and any waiting period before assuming a new policy will protect an approaching event.

Policy details

Compare deductibles, loss valuation, exclusions, and restrictions for basements or property below an elevated building where applicable.

Come with questions

Ask before you decide.

What flood coverage does my lender require, if any?
Are both the building and my belongings included in this proposal?
Which flood insurance options can the agency currently access?

A useful starting point

What to have handy.

Property address and occupancy details
Mortgage requirements and existing flood policy
Building information or elevation documents if available

Please use the agency’s quote form for requested personal information. Avoid sending sensitive documents through ordinary email.

Keep the policy details in view

A map designation does not guarantee that a property will or will not flood. Flood, water backup, and sudden plumbing damage can be different insurance issues. Ask which policy would address each scenario.