When you’re a homeowner, you know that you need home insurance to protect yourself against a wide range of risks. But did you know that you also need a flood insurance policy? Many homeowners aren’t aware of how common flooding is and how much damage it can cause. If you don’t have a flood policy, it’s time to get one. Call us at All Counties Insurance Agency & Traffic School in Palm Coast, FL.

Home and Flood Policies

If you have home insurance, why do you need a flood policy? That is because floods aren’t covered under home insurance policies. These policies directly exclude flooding from their coverage. If a flood were to hit a home, home insurance wouldn’t pay for any part of the damage. Also, floods are one of the most expensive types of disasters. Along with your home insurance, every home should be covered by a flood policy, which is especially important in Florida.

Flooding Claims

If you aren’t necessarily in a flood zone, do you really need flood insurance? Yes! About one out of every five flood claims are from homes that aren’t in one of these zones. A substantial number of homes are flooded without being in a flood zone. If you believed that you only had to have flood insurance if you were in one of these zones, it’s important to talk to us about the need for flood insurance and to get a policy of your own. It’s an important part of protecting your home against disasters.

Get Flood Insurance in Florida

If your flood policy doesn’t cover you, now is the time to get one. To find out more about them, you can contact us at All Counties Insurance Agency & Traffic School in Palm Coast, FL.