Most homeowners know they need home insurance in place in order to protect the investment they have made in their house, but few realize how flood insurance can impact their home protection. At Boss Insurance Agency, serving Kingwood, TX, we make it our goal to provide the best insurance information for our clients so that they can make the best insurance choices. Keep reading to learn what you need to know about flood insurance.
Is Home Insurance Enough?
It is important for homeowners to realize that most home insurance policies do not provide flood insurance. You should note that flooding within your home because of a problem with plumbing or a malfunctioning appliance is not the same as flooding that results from a natural disaster. Most home insurance policies do not provide coverage for flooding of this nature.
Why Is Flood Insurance Not Included?
The risk of flooding varies greatly from one region to another in the United States. This makes it difficult for insurance underwriters to create policies that suit many homeowners. Each individual homeowner will need to have their property evaluated by an insurance professional in order to create a flood insurance policy.
What Should Homeowners Do?
If you want to add flood insurance to your home owner’s policy, you will need to sit down with an insurance representative. This professional will be able to help you better understand how you can add this important type of coverage to your existing policy.
If you would like to learn more about flood insurance or any of our other insurance products, please contact us at Boss Insurance Agency serving Kingwood, TX, and the surrounding areas. We will be happy to answer your insurance questions.