When you have a home insurance policy, you may assume that this is all you need to protect your home against disasters. However, it’s important to have both home and flood insurance. Every homeowner should have both policies to ensure their biggest asset is well-protected. When you only have one of these policies, you’re subjected to a lot of risk that could cause financial devastation. When you need flood insurance, give us a call at Grove Insurance Agency in Brownsburg, IN.
Understanding Home Insurance Limitations
There are limitations with virtually any type of insurance policy, and home insurance is no exception. With home insurance, one of the limitations is that it doesn’t cover flooding. It excludes floods specifically from the range of situations that it covers. If you want to be covered against floods, you have to have flood insurance. Flood insurance is well-backed by the National Flood Insurance Program, making it a solid insurance type that has the same price no matter where you get it.
The Importance of Flood Insurance Everywhere
Some homeowners don’t get flood insurance because their home isn’t in an area that is designated as a flood zone. However, out of all the flood claims that come in, about one in five comes from an area outside of such zones. That makes it important for all homes to be covered by this insurance. Floods can and do happen virtually anywhere, so it’s best to be prepared if the worst happens. Both a home and flood policy are necessary to cover you from the many risks your home faces daily.
Get Flood Insurance in Indiana
If you only have a home policy, you’re leaving yourself vulnerable. To get started with a flood policy, call us at Grove Insurance Agency in Brownsburg, IN.