Many people get their home insurance policy and assume that’s the only policy they need to have on their home. However, this isn’t the case. It’s essential for homeowners to have a flood insurance policy as well. It’s never good to go without this coverage, as so many floods happen that damage homes. The amount of damage that can be caused by a flood is extreme. It would be beyond most people’s financial ability to pay for all of the damage done by a serious flood. That’s why you need a flood insurance policy. To get one, you can call us at Northeast Insurance Advisors LLC in Easton, PA.

Home and Flood Insurance Policies

So, why do you need both of these policies in your home? Isn’t your home insurance enough? Home policies actually don’t cover floods. If a flood were to happen and you had only home insurance on your home, you would end up having to pay for all of the damage to your home. This includes if your home needs to be rebuilt because of excessive damage. With a flood policy, your policy could pay for the flood damage to be repaired so that you could live in your home again.

Outside Flood Zones

Many people think that because they don’t live in a flood zone, there’s no need for a flood policy. However, about one out of every five flood claims comes from a home that isn’t located inside a flood zone. This makes it important to have one of these policies for your home no matter where it’s located. Just about any area could become flooded under the right conditions.