Why you may ask? Flooding is one of the most common natural disasters.
“But we’re in a low-risk flood area...” Low risk does not mean no risk. Your low risk flooding can escalade to a high-risk flooding area as quick as you can snap your fingers.
Knowing when to protect yourself with coverage can be one of the most valuable lessons in life, that’s why we’re here to help. We know when you need coverage and flood insurance is a coverage that you need.
Also, flood insurance tends to not be as expensive as other types of insurance, for example homeowners insurance, but if you are still concerned about the cost try raising your deductible. Raising your deductible can lower the price of any type of insurance.
Continue reading below to see what your flood insurance will and will not cover.
Flood Insurance Coverage:
- Building Property. First of all, your building property includes your actual home and the foundation it sits on. It also includes any detached garages you may have, electric, plumbing, major kitchen appliances, air conditioning, heaters, etc.
- Personal Property. While your building property may be the most important for you to cover, your personal property could also be just as expensive. Your personal property that can be covered under flood insurance includes your furniture, kitchen appliances, freezers, washers and dryers, jewelry, clothing, electronics, etc.
What Flood Insurance Does Not Cover:
While flood insurance covers most of the damage from a flood, it does not cover all the damage. The damage flood insurance does not cover includes basements, cash, swimming pools, cars, etc. Although this information may be a downfall, it is always better to have some coverage than not at all.
Protect Yourself with a Homeowners and Flood Policy
Our main priority is to protect you and your family by offering you every type of insurance we think you may need. We don’t want to see you lose your life over losses that can be covered.
Be sure to protect yourself with affordable home and life insurance so that you can add this addition line coverage to it. Contact us today to learn how Bock Agency can help with your homeowner’s policy. We offer home insurance tailored to your needs in North Huntingdon, Pennsylvania including the Greensburg, Irwin, N. Huntingdon, Pittsburgh, and Trafford areas. Request a homeowners insurance quote today.