Flood insurance protects you in the event of rising waters that cause a natural disaster. However, depending on the damage in your home, a flood can cause more than $25,000 in damages, which are not typically covered by a basic homeowners insurance policy. Those in Easton, PA, who have concerns about flood insurance coverage should speak with their insurance agent or reach out to the experts at Northeast Insurance Advisors LLC. 

Do I Need Flood Insurance? 

Everyone, regardless of the risk level, should have flood insurance coverage. Homes located in a high-risk zone should have flood insurance coverage. In addition, houses not in a high-risk area should still have some form of flood insurance because a flood can occur at any time. Rising waters from storms or other events can cause flooding, which results in damage to your home’s structure and personal belongings. 

What Does Flood Insurance Cover? 

Flood insurance provides coverage for your dwelling and your personal belongings. It is possible to buy a flood insurance policy that only covers the structure of your home or one that only covers your personal property inside the house. Though most insurance policies have payout caps, items covered under your flood insurance typically include personal property, structural items, HVAC and electrical systems, carpet, furniture, cabinets, walls, and kitchen appliances. 

What Is Not Covered by Flood Insurance? 

When water damage is not caused by a flood, such as a sewer backup or burst pipe, your flood insurance will not cover the damage. However, in some cases, this type of damage is covered under your homeowner’s insurance policy. 

Easton, PA residents, should speak with an agent at Northeast Insurance Advisors LLC today to learn more about flood insurance coverage and why they may need to purchase a policy.