Flood insurance is a type of insurance that protects your home and belongings from damage caused by floods. Floods can occur due to heavy rainfall, rising rivers or streams, or storm surges, and can cause significant damage to your property and possessions.
Flood insurance is essential for anyone who lives in a flood-prone area or near a body of water. This includes homeowners, renters, and business owners.
Floods can happen anywhere, even in areas that aren't typically prone to flooding. Without flood insurance, you could be left with costly repairs and losses that could be difficult to recover from.
Flood insurance typically covers damage to the structure of your home, as well as your personal belongings. It can also provide coverage for expenses related to temporary housing and living expenses while your home is being repaired.
Flood insurance typically does not cover damage caused by sewer backups, mold or mildew resulting from delayed repairs, or damage to landscaping or swimming pools.
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Getting a policy that does not properly protect you can cause a significant financial loss, it is our job to make sure we serve you the right product based on your need.
The cost of flood insurance varies depending on factors such as the location of your property, the age and condition of your home, and the level of coverage you choose. However, the average cost of flood insurance in the United States is around $700 per year.
We recommend getting coverage that is sufficient to repair or replace your home and belongings in the event of a flood. It's also important to consider additional coverage options, such as coverage for valuables and jewelry, and increased living expenses coverage. Be sure to speak with an insurance agent to determine the best coverage options for your specific needs.