Sherzer Insurance Blog
There is nothing more “adult” than handling your home and health insurance. Now, your home insurance is a big deal since it protects a lot of your assets and can even protect you from people getting injured at your place. Of course, that depends on the coverage. Now, speaking of coverage, one thing that most home insurance policies don’t cover are floods. What does that mean for you?
Do You Need Flood Insurance?
The idea that you might lose your belongings in flood is scary but don’t go getting that insurance just yet. First, ask the important question; do you need it? Start from there. If you live in a designated flood zone, you will most certainly need flood insurance.
You will also need it if you live in an inland area or very close to a river. You should also think of obtaining it if you think that your house is likely to be flooded by melted snow, water running down a steep hill, and similar occurrences. Floods can happen for many reasons, but you can gauge it if your home is prone to such a mishap.
Now, just in case you haven’t been a victim of flooding before, consider yourself lucky. Also, don’t underestimate it. Even floods that are not necessarily a natural disaster can cause a lot of ruin. It can mess up the electronics in your home, not to mention the pain and other interior details. If a flood is high enough it can even mess up your car.
Where can you get Flood Insurance?
If you think that your place is prone to be flooded, don’t worry. Flood insurance is available to both renters and homeowners. Just know that it is a special type of insurance usually provided by the federal government or some private entities.
Again floods are a major concern, but it’s not everyone’s problem. Some places don’t have to worry about floods; instead, they worry about earthquakes or wildfires. There are natural disasters that are not covered by your home insurance and floods are one of those. So make sure that you are in a risk-free zone and if not consult with an insurance provider now.
At Sherzer Insurance Agency, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (239) 673-9301 or Click Here to request a free quote.