Why All Homeowners Need Flood Insurance

When you own a home, there are certain insurance policies that you need to have in place to protect your investment. One of these is home insurance. Another is flood insurance.

Many homeowners skip the flood insurance policy because they believe their home policy will pay for any flood damage. However, home insurance doesn’t cover floods. If you believe you aren’t susceptible to floods, this is also wrong. Everyone who owns a home needs to be protected with this policy. To get yours, call us at Christian Insurance Agency in Magnolia, TX. 

Flood Claims

There are areas that the government will designate as flood zones. Many of these zones are close to water and are expected to periodically flood. To buy a home in one of these zones, there is generally a requirement to buy flood insurance. If you’re in one of these zones, make sure that you have your flood policy in place. However, there are also plenty of floods that happen outside of these zones. About 80% of flood claims come from homes that are in flood zones. That means that one out of every five claims comes from a non-flood zone. It’s essential for everyone to be ready in case of a flood. 

The National Flood Insurance Program

This is the program that supports and backs this insurance. With government backing, these policies are reliable even when the disaster is a large one. This program also ensures that the price for each policy is the same no matter where it’s issued. You don’t have to shop around to get a good deal on this type of insurance because the price will be the same. 

Get Flood Insurance Today

If you don’t have a flood policy yet, it’s time to call us at Christian Insurance Agency in Magnolia, TX to find out more.