Does Your Insurance Cover Your Area Rug?

I found this Blog about insurance and what it does and doesn’t cover. I was surprised to find this information in a motor freight and trucking blog but I know this to be true. I live near the ocean and use to work in a building by a tidal river that flooded every few years and have seen the insurance implications. All the right conditions had to be met for the area to flood, strong on-shore wind at the same time you had a new or full moon tide. But if this happened, anywhere from an inch or so up to about 6 inches of water would flow in the back door and out the front. Would your insurance cover this?

“Many homeowners are also surprised to learn that flood insurance is not included under their regular homeowner’s insurance policy or renter’s policy.” motorfreighttrucking.wordpress.com

Your area rugs being literally the lowest thing in any room are most susceptible to flooding and water damage. If you are fond of nice rugs they may also be the most expensive thing in the room. Now I am not sure of the validity of this next statement.

“…a surprising statistic is that in general, you are 30 times more likely to lose your home to a flood than a fire.” motorfreighttrucking.wordpress.com

But even a minor flood could ruin an expensive area rug. It would be smart to take a look at your property and it’s propensity for even minor flooding and alter your insurance accordingly.