What is Flood insurance?

Flood insurance provides financial protection against flood damage. A standard policy insures the home itself and the things you keep in it.

…MORE ABOUT FLOOD INS NEEDED

Damage caused by most disasters are covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.

Get A Flood Insurance Quote

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Why Do You Need Flood Insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because chances are your home is likely one of your largest investments.

• If your home was destroyed by fire or damaged by a natural disaster, you’d need money to repair or replace it.
• If a guest in your home is injured, liability protection and medical coverage help pay expenses.
• If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
• If you are still paying for your home, your lender will require insurance.

Things To Consider & Questions To Ask Your Agent:

Here are few things to discuss with your agent that will influence your decisions.

• How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home’s features and the things you own so you can make an informed decision about coverage.)
• Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
• What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
• What’s the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)