Flood insurance
What is flood insurance ?
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Depending where your home is located, especially if it is near a body of water, you may be required to carry Flood Insurance on your Home or even where you are just a Renter. Flood Insurance is crucial in the event of a major weather event causing wide spread flooding in an area and it covers things that a traditional Home Insurance or Renters Insurance policy would not.
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Flood Insurance is governed by the National Flood Insurance Program (NFIP). The National Flood Insurance Program provides coverage for up to $250,000 for the structure of the home and $100,000 for personal possessions. The NFIP policy will provide replacement cost coverage for the structure of the home, but only actual cashvalue coverage for your possessions. If needed, some private insurers do offer excess flood insurance.
Replacement Cost coverage pays to rebuild your home as it was before the damage. Actual Cash Value is replacement cost coverage minus depreciation so in general the older your possessions are, the less money you will get in the event they are damaged.
Am I Covered in the event of a Flood?
It’s really all about protecting yourself financially.
- If you do not have an additional Flood Insurance policy, your home would not be covered in the event of a loss caused by flooding.
- All homeowners policies exclude water damage caused by flood.
- There are additional exclusions that may apply to your homeowners insurance policy, so be sure to review your policy carefully and ask your insurance agent if you have questions.
- You can also receive a discount for protection devices such as burglar and smoke alarms.
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Very helpful fully explaining the different plans. Cash value is accessed via policy loans, which accrue interest and reduce cash value our valuable items.
Very helpful fully explaining the different plans. Cash value is accessed via policy loans, which accrue interest and reduce cash value our valuable items.
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