Floods can happen even if you don’t live in a designated flood zone. Make sure you’re covered.
Just because you don’t live in a high flood risk area, doesn’t mean it’ll never happen to you. We’ll provide the specialized coverage you need to help protect your home from rising waters—even if you’re not in a flood zone.
For most homeowners, floods are a low-likelihood but high-cost risk. If you are hit by flooding you could lose many or most of your personal possessions, face major reconstruction work, and be left homeless for months while your property is made habitable again. In most cases, not having flood insurance is a chance you simply can’t afford to take.
There are three major myths about floor insurance:
- Myth #1 is that flood insurance is only needed for people living in designated flood zones. In reality, flooding is a potential risk everywhere and the damage can be devastating.
- Myth #2 is that homeowners insurance automatically includes flood insurance. In reality, it is usually not the norm. You should always assume you’re not covered unless your homeowners policy specifically says otherwise.
- Myth #3 is that government programs take care of flood insurance. There is a National Flood Insurance Program that guarantees the availability of insurance in specific areas. However, this only covers a tiny percentage of American homes.
Contact us and we’ll research your risk factors to see if a separate flood insurance policy makes sense for you and your family.