Do I need flood insurance if I have home insurance?

Regarding protecting your home, standard homeowners insurance typically covers a wide range of risks and damages, such as fire, theft, vandalism, and liability for injuries. There’s one risk that isn’t covered, flood damage. If you live in an area prone to flooding or experience heavy rains regularly, then it’s essential that you invest in additional coverage with flood insurance. At All Counties Insurance Agency & Traffic School, we specialize in flood insurance in the Palm Coast, FL area.

Flooding is the most common natural disaster throughout the United States — and floods can cause devastating damage to homes, property, and belongings. Unfortunately, many homeowners don’t realize that their current policies don’t cover flooding until after they’ve already suffered costly damages. So purchasing a separate policy specifically for floods is the best way to protect your home.

Even if you don’t live in a flood zone or have never experienced a major flood event, investing in flood insurance is still wise. That’s because floods can occur virtually anywhere and be caused by anything from heavy rains and snowmelt to broken levees, dams, and flash flooding. Furthermore, purchasing flood coverage may even save you money in the long run, as many lenders require it for those who live in high-risk flood zones before they approve mortgages.

Taking steps to purchase a quality flood insurance policy can give you peace of mind knowing that your home is covered no matter what Mother Nature throws at you. For more information about flood insurance and whether or not your house is protected, call All Counties Insurance Agency & Traffic School today. We proudly serve the Palm Coast, FL area.