The importance of flood insurance often goes underestimated until disaster strikes. The important thing for homeowners to understand is that while flood insurance may not be required by your bank your home is not necessarily risk free. According to the Federal Emergency Management Agency (FEMA), 25-30 percent of all flood losses actually occur in the low to moderate risk zones. In the event of a flood, if left uninsured, your home could incur a tremendous amount of uninsured damages. Don’t be left wondering how you are going to pay for unforeseen damages- Get Covered.
Step One: Assess Your Risk
Everyone lives in a flood zone. Some people live in high risk areas right on the coast and in direct route of major hurricanes. Others may live inland but still at risk of overflowing rivers, streams, lakes, etc. Flood Maps are provided by FEMA and are intended to help homeowners understand their flood risk based on a number of factors. The Number one thing to remember is that while these maps are typically successful in determining risk, they are not always accurate. And, just because a home is not in a high-risk zone, does not mean that it can be damaged or completely lost in a flood.
» Click here to get your FEMA Flood Risk
Step Two: Get a Quote
At HomeInsurance.com we understand the importance of getting great coverage at an affordable rate. Fill out our home insurance quote form to get started with your home and flood quote. Remember, a standard home insurance policy does not cover damage caused by a flood- so be sure to ask your agent about a separate flood policy. Learn more about flood insurance. At HomeInsurance.com we shop the top home insurance companies in the country to find you the best rates. Sit Back, Relax, we’ve got you covered!
Step Three: Get Covered!
Now you know your flood risk and we’ve found you a great low rate. So what are you waiting for? Still not convinced that flood insurance can pay off? Check out this great simulation flood tool offered by the National Flood Insurance Program that allows you to see the real cost of flooding by the height of the flood. You will see that even a minor flood caused by a heavy storm with only 3 inches of water can cost well over $7,000 of damage to your home. Protect your home- get covered today!
Have other questions about home insurance or how to get started? Visit our FAQ page to see questions that have been posted by our customers. Or- post a question that you would like to see answered! Want to speak with one of our licensed agents? Enter your phone number here and one of our agents will call you. Or call an agent directly at 1-877-50-MyHome.
