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• Does Car Insurance Cover Flooding in Kentucky?
• Do I Need Full Coverage to Be Insured against Flooding?
• Are My Belongings inside My Vehicle Covered against Flooding?
• Flood Stats for Kentucky
• What Does Car Insurance Cover in Kentucky?
• Are There Any Other Polices That Can Provide Additional Coverage?
• Here’s How a Kentucky Independent Insurance Agent Can Help

Before you ever drive that new car off the lot, you want to make sure it’ll be protected against a whole host of threats, including those straight from Mother Nature. That’s why it’s important to consider all kinds of disasters, including flooding, when shopping around for car insurance in Kentucky.

Fortunately, a Kentucky independent insurance agent can make the process easy by helping you get equipped with the right kind of car insurance to protect against flooding and more. But first, here’s a deep dive into car insurance in Kentucky and when/how it covers flooding.

Does Car Insurance Cover Flooding in Kentucky?

To answer that, you’d need to review your specific car insurance policy. It really depends on the type of coverage you purchased. Only comprehensive car insurance will protect against various types of disasters, including flooding. A Kentucky independent insurance agent can make sure you get set up with the right kind of coverage to keep your vehicle safe from flood damage and much more.

Do I Need Full Coverage to Be Insured against Flooding?

The term “full coverage” is tricky, because it’s not recognized by insurance companies, and is a bit of a misnomer. Insurance expert Paul Martin says that when customers ask for “full coverage,” what they’re really hoping for is complete protection for their vehicles. This can mean a combination of a few different common car insurance coverages.

So, instead of looking for “full coverage,” go ahead and skip right to what you really need, which is comprehensive coverage. You’ll have protection against flood damage in addition to many other types of disasters, like tornadoes. A Kentucky independent insurance agent can help you get set up with exactly what you need.

Are My Belongings inside My Vehicle Covered against Flooding?

According to insurance expert Jeffery Green, unfortunately the answer is no — at least, not under your car insurance. However, homeowners insurance can provide protection for personal belongings stored in your car, though with a lower limit. That said, you’d probably need to have added flood coverage onto your home policy in order to qualify for reimbursement for flooding.

You’d also have to pay your homeowners or flood insurance deductible out of your own pocket before coverage would kick in. If you have further questions, a Kentucky independent insurance agent can help you review your coverage, and find the right homeowners insurance and flood insurance to protect your belongings no matter where they’re stored.

Flood Stats for Kentucky

When considering flood coverage for your vehicle, it’s important to be aware of just how prevalent a threat natural flooding is. Check out some flood stats for not only Kentucky, but the US overall below.

• 12% of all homeowners purchase supplemental flood coverage.
• Floods cost the US $5.55 billion in damage per year.
• 22,410 residents in Kentucky have flood insurance policies.
• $1.43 million in flood insurance claims are filed in Kentucky each year.
• More than 560 flood claims are filed in Kentucky annually.

While you may not think of Kentucky as being a state that floods often, residents here still file hundreds of flood claims annually, accounting for millions of dollars in insurance payouts. Talk with your Kentucky independent insurance agent about the importance of flood coverage under comprehensive car insurance.

What Does Car Insurance Cover in Kentucky?

Car insurance policies can vary by individual, but your state still has a minimum set of requirements for all licensed drivers. Kentucky drivers are required by law to have the following types of car insurance:

• Personal injury protection: Covers the costs of medical treatment for any injuries sustained by you or your passengers after an accident.
• Bodily injury liability insurance: Covers costs stemming from lawsuits for bodily injury claims made by third parties.
• Property damage liability insurance: Covers costs stemming from lawsuits for property damage claims made by third parties.

A Kentucky independent insurance agent can help ensure you’re equipped with all the coverage you need to meet your state’s requirements, and beyond.

Are There Any Other Policies That Can Provide Additional Coverage?

There are additional car insurance policies that can provide additional coverage for flood damage and more. They include:

• Uninsured/underinsured motorist coverage: Covers you in the event a flood or other disaster causes you to collide with an uninsured or underinsured driver.
• Collision coverage: Covers you in the event a flood or other disaster causes you to get into a car accident with another driver, or hit someone else’s property.

When it comes to creating the right car insurance package for you, a Kentucky independent insurance agent is your number one resource. They can answer any questions you may have about which coverages you need to protect against flood damage and numerous other perils.

Here’s How a Kentucky Independent Insurance Agent Can Help

When it comes to protecting Kentucky drivers against devastating floods and all other catastrophes, no one’s better equipped to help than an independent insurance agent. Kentucky independent insurance agents search through multiple carriers to find providers who specialize in car insurance, deliver quotes from a number of different sources, and help you walk through them all to find the best blend of coverage and cost.