Flood Insurance Fun Facts Part 2

11 May Flood Insurance Fun Facts Part 2

Posted at 03:44h in Flood Insurance Blog by
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Flood Insurance Fun Facts: Part 2

Flood insurance can be confusing and lead to more questions than answers. Don’t let the obstacles that come along get in the way of making sure that your home and property is protected against a flood. Below you will find some more fun facts about flood insurance and the National Flood Insurance Program that can take some of the uncertainty and frustration out of your journey toward proper coverage.

Flood Insurance Fun Facts: #6

If you live in a low-risk flood area it doesn’t mean you cannot buy a flood insurance policy. As long as your community has participated in the National Flood Insurance Program, with few exceptions, you can buy a flood policy. Those buildings that are underground or built over water are not eligible, but chances are good that you can inquire about a policy.20 percent of all Federal Flood Program claims come from lower-risk areas.

Flood Insurance Fun Facts:#7

If you live in a low-risk area you may qualify for a Preferred Risk Policy. The PRP can protect your home and personal property and be very affordable as well. Policies can start at as little as $129 per year for homeowners and $567 for a business owners policy. Even renters can protect their belongings from flood for as little as $49 per year.

Flood Insurance Fun Facts: #8

You can protect your contents as well. If you are in a higher-risk area and get a flood insurance quote make sure that you have personal property coverage included. The NFIP will include up to $100,000, but it has to be added on unless it is a preferred risk policy. Make sure you cover everything possible.

Flood Insurance Fun Facts: #9

Just because it’s not a home doesn’t mean that it can’t be covered.Non-residential buildings can get flood insurance as well. The limits for these buildings can go up to $500,000 for the unit itself. Contents can also be covered for $500,000 allowing for up to $1 million in total coverage.

Flood Insurance Fun Facts: #10

Although it can be a messy affair if you choose the wrong route, flood insurance has the possibility of being easy to get. Calling a licensed broker or agent will let them do the hard work and with the ease of credit card payments you can rest easy knowing your livelihood is better protected. Call Casey at Stone Creek Insurance at 925.235.4924 or fill out the questionnaire on the right and he will contact you immediately.

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All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.

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Taking 2 minutes to complete the quote form may help you to save hundreds! Upon receipt we will provide a quote to you within 2 hours of your request.

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