Many homeowners don’t realize that their homeowner’s policy does not cover damage from flooding. You need to purchase flood insurance to protect yourself from financial ruin in the event of flooding in your home. If ever you’ve experienced a flood, you know how devastating even a small amount of standing water can be – to your home’s structure as well as your prized possessions.
There are two types of flood insurance policies:
Do You Need Flood Insurance?
Don’t fall victim to the misconception that if you don’t live near the coast or near a river or stream that you don’t need flood insurance. Sure, storm surges and rivers that overrun their banks cause the most publicized floods, but your home also can be flooded by torrential rainfall, melting snow, or a blocked sewer line. Any flood water that ends up in your home is likely to result in a soggy and expensive-to-fix mess.
The friendly agents at JVM Insurance will help you crunch the numbers so you’ll be fully protected, but won’t be paying more than you need to.