Homeowners need to have a home insurance policy. They are generally required to have it, especially if they have a lender or live in a neighborhood with covenants. However, this isn’t the only type of insurance policy they need to have on their homes. They also need to have flood insurance in place. With the risk of flooding ever present, it’s essential to have this insurance at all times. When you don’t have a flood policy, it’s time to call us at Americas Insurance Associates in Florida.
The Ubiquity of Flooding
Many people don’t think that their homes can flood, so they don’t get flood insurance. While it’s true that there are specific flood zones that experience much of the flooding, these aren’t the only areas that flood. Among flood claims, about 20% come from areas that aren’t in flood zones. This represents an enormous number of homes that get flooded every year outside of these zones, making it imperative to have flood insurance at all times.
Home Insurance and Flooding
Why can’t you just cover your home with home insurance? This is because home policies exclude flooding from their coverage. If you don’t have a flood policy, you don’t have any flood coverage. Without a flood policy, you would have to pay for all of the repairs you’d need after a flood. Even a small amount of flooding can cause enormous, extremely expensive damage. To stay protected against these expenses, make sure you always have flood insurance for as long as you own your home.
Get Flood Insurance in Florida
To have the protection you need for your finances, you need to get started with flood insurance. To find out more about it and get started, you can give us a call at Americas Insurance Associates in Florida.
