Protecting your home from natural disasters is a must. You take the right safety precautions, and you invest in the right homeowners insurance. However, it’s important to keep in mind that not all types of disaster damage are covered under your insurance policy. Flooding, for instance, isn’t a covered peril under homeowners insurance policies. Instead, you need the right flood insurance. Check out what you need to know about choosing a flood insurance policy.
It’s important to know what your risk is when it comes to flooding. Some areas are more prone to flooding than others. Check to see where your home is located so that you know which sort of flood zone you’re in. Just because you’re in an area with low risk, doesn’t mean that you don’t need coverage. Your zone lets you know how much coverage you need as well as cost.
Different policies offer different coverages. When choosing a flood insurance policy, ensure that it gives you the necessary coverage. Evaluate your needs and then choose a policy that gives you the necessary coverage.
Contrary to popular belief, homeowners insurance won’t cover you for a flood. Instead, you need a separate policy. Get the policy that you need to keep your home well-protected using your independent insurance agent through the National Flood Insurance Program.
Keep your home as safe as can be from water damage with the right flood insurance policy. Contact Mike Leonard Insurance Agency in North Texas. We’ll work to get you the right coverage from one of our carriers Kemper, MetLife, Travelers, The Hartford, Safeco Insurance, Progressive, and American Strategic Insurance so you can rest easy with excellent protection.