Flood Insurance

Your home is likely the most expensive investment you will ever make. Also, your home is more than an investment. It is the place where you and your family live, and keep your belongings and most prized possessions. Because your home is so important, you need to protect it. The best way to protect your home is to purchase a homeowner's insurance policy. For extra protection, you should take out a separate flood insurance policy. There are a few reasons why this is so essential.

Flooding Isn't Covered By Most Homeowner's Insurance Policies

A traditional homeowner's insurance policy covers fires, theft, vandalism, and includes liability protection. Unfortunately, floods aren't usually covered. If you want the maximum amount of protection, you should purchase flood insurance as well.

Severe Weather Can Occur At Any Time

Severe weather can strike your location at any time. If there are torrential rains, your home is at great risk. When you take out flood insurance along with your homeowner's insurance, you will have peace of mind that your home will be protected if there is severe weather in the forecast.

Flood Damage Can Be Catastrophic

Floods are the most expensive natural disaster in the United States. According to FEMA, 90 percent of natural disasters cause floods. Every year, flood damage cost $8.2 billion. What many people don't realize is that even a minor flood can be catastrophic and expensive. Just one inch of water in your home can cost up to $27,000 in damages. When you add flood insurance to your homeowner's insurance policy, you will be covered if disaster strikes and there is a flood in your home.

If Your Home is “Outside the Flood Zone” You Aren't Safe

Just because your home may be deemed outside the flood zone, it doesn't mean that you are safe. Flood zones are determined by past conditions, but this doesn't mean that there won't be a flood in your area. It is best to be protected because the unexpected can occur at any time.

It is essential that you include flood insurance to your homeowner's insurance policy. At Marla Williams Agency, we can help you purchase the best policy to meet your needs. To get your policy started, give us a call or stop by today.

While our office is located in Overland Park, KS, we serve all across Kansas, Missouri, Iowa, Nebraska, Colorado, Texas, and California.