An essential layer of protection for many homeowners
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Depending on the place of residence, flood insurance could be an essential layer of protection for many homeowners.
What flood insurance covers
A flood insurance policy provides coverages if your home gets flooded-despite it being an uncommon occurrence, usually not covered by homeowners insurance policies. This type of insurance policy covers the fundamental components of your house such as operating systems and home foundation and structure; in addition to built-in home appliances like refrigerators, dishwashers, and stoves. Unless they are in the basement, carpeting and personal property are also usually covered.
Why flood insurance might be a must-have
The National Flood Insurance Program urges house owners to purchase flood insurance, particularly if they live in a region with a high risk of flooding. Flooding can occur everywhere due to heavy rain, melting snow, and extreme coastal weather. If you reside close to a river or other body of water, you might even be required to have it. In fact, it is important to note that one in every five flood insurance claims relates back to someone living in a low-or medium-risk area.