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!