Flood Insurance

Protection for your home and belongings when water rises.

Flooding can happen anywhere — not just in high-risk flood zones. Heavy rainfall, river overflow, blocked drainage systems, and flash flooding can all cause significant damage to homes and businesses across Tennessee. Most homeowners and renters insurance policies do not cover flood damage, making separate flood insurance essential for protecting your property and financial security.

At Cothren Insurance Agency in Lawrenceburg, TN, we help homeowners, renters, and business owners secure flood insurance designed to protect what matters most when the unexpected occurs.

Flood Insurance Coverage Options

Building Coverage
Protects the structure of your home or building, including foundation, walls, electrical systems, plumbing, HVAC, and permanently installed fixtures.

Contents Coverage
Covers personal belongings such as furniture, appliances, electronics, clothing, and other valuables damaged by flooding.

NFIP Flood Insurance
Policies backed by the National Flood Insurance Program (NFIP), offering standardized coverage limits for homes and businesses in participating communities.

Private Flood Insurance
May offer higher limits, broader coverage options, or additional features beyond NFIP policies, depending on eligibility.

Basement Coverage (Limited)
Provides coverage for certain basement components such as utilities and equipment, subject to policy limitations.

What Flood Insurance Typically Does Not Cover

  • Damage caused by moisture, mildew, or mold not directly related to flooding

  • Temporary living expenses during repairs

  • Outdoor property such as decks, pools, fences, or landscaping

  • Vehicles damaged by flooding (covered under auto comprehensive coverage instead)

Understanding these limitations helps ensure there are no surprises at claim time.

Why Flood Insurance Matters

Flooding Is Not Covered by Home Insurance – Standard homeowners policies exclude flood damage.
Flood Risk Exists Outside Flood Zones – Many flood claims come from moderate- or low-risk areas.
Costly Repairs – Even a few inches of water can cause tens of thousands of dollars in damage.
Peace of Mind – Knowing you’re covered allows you to recover faster after a flood event.

Why Choose Cothren Insurance Agency?

Local Insight – We understand flood risks in Lawrence County and across Middle Tennessee.
Clear Guidance – We help you understand flood zones, elevation considerations, and coverage options.
Multiple Options – We offer both NFIP and private flood insurance solutions when available.
Personal Service – From policy setup to claims support, our team is here when you need us most.