What is the maximum amount of contents covered under Regular flood insurance?

The maximum amount of contents covered under a standard flood insurance policy is $100,000. This coverage applies to personal property, which includes items such as furniture, electronics, and other personal belongings within a home or property. The National Flood Insurance Program (NFIP), which provides flood insurance, sets this limit on contents to manage risks more effectively while providing significant assistance to policyholders in the event of a flood.

Understanding that the limit on contents is distinctly different from limits on building property is important. Building property coverage has a much higher limit, which can reach up to $250,000 for residential properties. This structure ensures that homeowners can receive adequate compensation to recover both the physical structure of their home and the personal items inside it, albeit with different thresholds to reflect the varying value and loss potential of these two categories.