Floods are an all too common occurrence these days. You don’t have to live along the banks of the Mississippi River or in coastal areas to be in danger. If you are a homeowner who believes your home is protected from flood damage by your home insurance, you are in for a shock. Home insurance does not cover floods. At All Counties Insurance Agency & Traffic School in Palm Coast, FL, we understand the damage floods can cause to homes in Florida and we aim to provide the best service and insurance products available.
The National Flood Insurance Program is offered by FEMA through a network of carriers. It is sold in two parts, building and contents. You can purchase one or both, it is up to you. The price is fixed by the government depending on your risk level so you can choose any carrier that offers flood insurance and the price will be the same. Your community must participate in the NFIP in order for you to be eligible.
The building coverage covers the physical structure of the home. This includes the walls, roof, foundation, detached garage, and staircases. Anything that is permanently attached to the home is covered by this part of the insurance, built-in bookcases, kitchen cabinets, and appliances like the stove, refrigerator, and built-in dishwasher. It also includes the major systems in the house, the electrical, the heating and cooling, and the plumbing. Coverage is capped at $250,000.
This includes all your personal items, clothes, smaller appliances, washer and dryer, furniture portable air conditioners or heaters, freezer, and the food in it. The cap on personal property is $100,000.
At All Counties Insurance Agency & Traffic School in Palm Coast, FL, we are happy to help you to get flood insurance to protect you home. You can call us at our office or stop by for a free quote.
Buying a home in the Palm Coast, FL area is a great idea for many people. If you are going to purchase a home in this area of Florida, it is very important that you carefully consider all of your insurance needs. One form of insurance that many people here need is flood insurance. There are several reasons why someone should get flood insurance here.
Required by Mortgage Lender
One reason that someone should get a flood insurance policy is that it can be required by a mortgage lender. If you have a home that is located in a flood zone, there is a good chance that your mortgage lender will require that you maintain flood insurance. In many situations, they will need you to escrow payments on a monthly basis to ensure you stay current.
Provides Valuable Coverage
Those that are concerned about flood damage in their area should get coverage simply for the protection it provides. If there is ever a bad flood in your area, it could be devastating for your home. To ensure that you are properly covered for this risk and potential damage, you should make sure that you get a full flood insurance policy.
If you are looking for flood insurance in the Palm Coast, FL area, you should call All Counties Insurance Agency & Traffic School to discuss your needs. Picking a flood insurance policy is never easy but the team at All Counties Insurance Agency & Traffic School can make it easier for you. When you speak with the team here, you are going to learn a lot more about how flood insurance can protect you and your home. They can then help you choose a policy that gives you the right coverage and peace of mind.
Several different types of insurance are meant to protect a home or personal property. One particular type is part of a national government program to protect homeowners from damages related to flooding in a variety of scenarios. Flood insurance can be the layer of coverage to allow you to pick up the pieces and get back to normal when nature takes a turn for the worse.
Flood Insurance Protection
Flood insurance will cover structural damages to the covered items listed on the policy, which can include personal items as well. Before buying flood insurance, it’s essential to know precisely what level of coverage you need. To properly make a selection, work with a licensed insurance agent who knows the ins and outs of flood insurance policies. They can explain critical details that you need to be aware of before signing the policy.
Agents are There to Help
Flood insurance is a unique type of insurance coverage that has many terms and conditions to be aware of before you make a purchase. Your insurance agent can explain all of the fine print and important points of interest so you can be a more educated buyer. Anyone who is currently searching for flood insurance in the Palm Coast, FL area can rely on All Counties Insurance Agency & Traffic School to provide them with the coverage and guidance they need to get the right protection for their situation.
Get the assistance you need to get essential flood insurance to protect your home and property. Call or stop by the office of All Counties Insurance Agency & Traffic School today for more details and to schedule a consultation. Residents of Palm Coast, FL can get the peace of mind they need with flood insurance coverage.
The Federal Emergency Management Agency (FEMA) is the governmental agency responsible for maintaining and updating the floodplain maps that are used across America to determine the areas that are in flood zones.
In the areas that are officially flood zones, which have a high risk of flooding, mortgage lenders and government-backed FHA loan programs require that a homeowner carry flood insurance. Your agent at All Counties Insurance Agency & Traffic School serving the Palm Coast, FL area can help you get flood insurance, which meets these requirements. The problem is that these flood zones are no longer accurate.
In recent years, flooding occurred in many parts of the U.S. that had never seen any flooding like that before. Homes that were many miles outside flood zones were awash with water when river banks overflowed in record amounts during the past few years.
Many 500-Year Floods in a Few Years
All of this record flooding is due to the severe weather pattern changes that are happening. How bad is it?
FEMA has the designations on the flood zone maps of 100-year flood zones and 500-year flood zones. In a 100-year flood zone, there is one chance in a hundred (1%) each year of having a flood. In a 500-year zone, which has no requirement to carry flood insurance, there is only a 0.2% chance of having a flood each year. Sounds safe from floods, right?
Houston had three 500-year floods within three years. That is one 500-year flood each year. Homes that never had seen flood waters got hit by them for the first time, and then it happened again and again. Is that bad luck? Probably not. It likely means the maps are no longer useful in predicting flooding.
The message to everyone in Florida is that you need flood insurance for your home. Even if your mortgage lender does not require it, you probably should have it anyway.
Contact your agent at All Counties Insurance Agency & Traffic School in Palm Coast, FL to get a quote for flood insurance.
If you are a Florida resident, then you’ve likely heard of flood insurance, but whether or not you are required to have it largely depends on what flood zone your home lies in. Whether you are in Palm Coast, FL or the Florida Keys, flood insurance is a reality in the state.
What is Flood Insurance?
Flood Insurance covers homes for losses due to water damage and specifically flooding. While any dwelling can be covered by additional flood insurance, the Federal Emergency Management Agency maps flood zones throughout the country to determine what areas are at the highest risk of damage from floods. They require flood insurance to be purchased at the time of a mortgage issuance.
Is Flood Insurance Required in Florida?
If the flood zone maps from FEMA indicate that your home is located in a flood zone designated with an A or V, you will likely need to purchase flood insurance. However, homes in an X, C, or B flood zone are at a lower risk of flooding and may not be required to have additional coverage. However, even for Florida homes where flood insurance is not required, it may not be a bad idea to at least explore your coverage options. Talking through your options with a qualified insurance company like All Counties Insurance Agency & Traffic School in Palm Coast, FL will help you make an educated decision.
How Much Does Flood Insurance Cost?
The pricing of the policy is mostly determined by the zone in which the property resides. It also includes other factors like the number of floors and the age of the home. At All Counties Insurance Agency & Traffic School, we’ll work with you to shop for the best rate that fits your needs.
When you live in Flagler County, you know that a little bit of rain can cause big problems when it comes to flooding. Even if you don’t live right on the water, you may experience significant amounts of water around your home. This is when it’s important to determine whether flood insurance is necessary or not. Rather than trying to make decisions on your own, you can work with us at All Counties Insurance Agency & Traffic School in Palm Coast, FL.
FEMA Flood Zones
The first thing you want to do is find out whether you are in a FEMA-identified flood zone. These zones can change from year to year based on where flooding occurs. If you are in one of the zones, flood insurance is required above and beyond your homeowner’s insurance policy.
However, even if you aren’t in a flood zone, it may still be a good idea for you to have flood insurance.
Consider Flood Damage
If you live in a neighborhood where there is a significant amount of flooding, either due to grading or drainage issues, you need to be realistic about whether you need flood insurance or not. After a few days of rain, you may have a significant amount of water around your home. Some of this water can enter your home, too, causing serious water damage.
When you have flood insurance in place, it’s easier to file a claim. This way, you aren’t financially responsible for any water damage. Your homeowner’s insurance policy may even require you to have flood damage if you live in an area where a number of people have had to file claims in the past.
Contact us at All Counties Insurance Agency & Traffic School today to learn more about flood insurance. We can help you get a policy that you can rely on in Palm Coast, FL.
RVs are an amazing resource for relaxing, having fun and seeing the country. When they’re motorized, they can give a unique level of freedom. That freedom might come with a bit more responsibility. When it comes to insuring a motorhome against normal risks in Wixom, MI, there are a few tricks you might want to know. That’s why America’s Choice Insurance Partners are providing this tip on seasonal motorhome coverage.
Part-Time vs Full-Time
The first distinction that has to be made for RV insurance is how often you live in it. Plenty of people only “live” in the RV while they’re on vacations, but it’s not uncommon for individuals to make the motorhome the “always” home. Obviously, an always home needs year-round coverage. As for the part-timers, not all policies look as accommodating on the surface as they turn out to be.
Part-timer’s insurance is a common delineation for recreational motorhomes. It accounts for the fact that the majority of your nights each year will not be in the RV, and the cost of the policy reflects that. Some policies are designed around seasonal usage, but most take that seasonal price and simply split it into an annual price. In other words, part-timer’s insurance usually costs much less than full-timers, but you might still make 12 monthly payments on it.
Rules of the Road
The biggest reason for this arrangement is to insure you have proper liability on the road. Since a motorhome drives on roads, state laws treat it like any other vehicle. It needs that minimum car insurance, and that is usually rolled into your RV policy. A part-timer plan will set you up with everything you need to safely enjoy the motorhome.
Of course, there are always more options out there. If you want to make sure you have the right policy available in Wixom, MI, talk to your America’s Choice Insurance Partners agent today.
There are different types of insurance policies to serve various functions, and protecting yourself from waters caused by hurricanes is always a concern of Florida residents. The team at All Counties Insurance Agency & Traffic School understand the worries of their clients in the greater Palm Coast, FL area and are here to help. There are many homeowners and renters policy that specifically exclude coverage of damage caused by hurricanes, but there are other options. Florida residents are able to hold flood insurance that provides coverage for water damage that is caused by a storm or other natural disasters.
Protect yourself, your home, and your family from hurricanes
Now is an excellent time to make sure that your insurance portfolio is complete and has all of the coverage that you need. Flood insurance is important to have in Florida, as hurricanes can cause quite a lot of damage. In addition to flood insurance, a wind policy is also advisable to give your home the full range of protection that it requires. Flood insurance can help you to recover from the damage that your home sustains due to the waters from a hurricane. This protection can sometimes include coverage for your structure and your belongings up to a certain level, depending on the policy. Some policies will also provide coverage for alternative housing while your home is uninhabitable during repairs.
Interested in finding out more about how you can protect your home from the damage caused by hurricanes? Contact the team at All Counties Insurance Agency & Traffic School today and schedule an appointment to meet with one of our helpful agents. We are proud to serve our greater Palm Coast, FL community and look forward to working with you too!