If you are like many people, you understand the importance of homeowner insurance. It is needed to protect your dwelling, household furnishings, and personal possessions. What you might not know is that most homeowner insurance policies don’t provide coverage in the event of the loss of your belongings due to a flood. Fortunately, you can obtain a secondary policy providing this type of coverage. It is known as known as flood insurance.

What Is Flood Insurance?

Flood waters can cause a lot of damage and destruction. In order to protect yourself against this type of damage, you need flood insurance. This type of insurance policy only covers damage due to a flooding disaster. The type of coverage that your policy provides is based upon the plan that you sign up to receive. In general, your flood insurance policy covers your belongings up to the amount specified in your plan documentation.

Does a Flood Need to Be Declared a Disaster by the Federal Government to Qualify for Coverage Under Your Flood Insurance Policy?

One of the added benefits of taking out a flood insurance policy is that your possessions are covered even if the federal government does not call the flood a disaster. Your belongings and household furnishings are covered, and you never need to repay the funds that you receive from the insurance company.

When Do You Need Flood Insurance?

Although many homeowners can benefit from the coverage that a flood insurance policy provides, individuals living in a flood-prone area gain the greatest advantage. It is important to also realize that you must obtain your coverage well in advance of the flood’s occurrence. It is up to you to read the fine print on your insurance policy to determine exactly what restrictions are in place.

Finding the Best Flood Insurance Coverage for Your Needs

Whether this is your first supplemental insurance policy or not, we are here to assist you in finding the perfect coverage for your particular needs. If you have decided that you need flood insurance, please allow us to help you find an affordable policy that comes with excellent coverage and good customer service features. Just tell us what it is that you need, and our representatives will make sure that they find the perfect coverage for your budget and lifestyle.