Why Every Homeowner Needs Flood Insurance

When you purchase your home, you understand the need for a home insurance policy. However, many aren’t aware of the importance of having a flood insurance policy in addition. As a homeowner, it’s crucial to have both these policies in place to protect your home against varying risks. Should you require a flood policy, call us at Saucon Insurance Agency in Bethlehem, PA.

Why Do You Need Both?

You might question the necessity for flood insurance if you already own a home insurance policy. Standard home insurance does not cover flood damage, it won’t compensate for damage caused by flooding, leaving your property vulnerable. Having a flood insurance policy ensures coverage in case flooding disrupts your home.

Flood Zones and Insurance Policies

If you live in an area classified as a flood zone, flood insurance is often mandatory. However, it’s noteworthy that not all flooding happens inside a flood zone. Roughly 20% of flood claims to insurance companies come from properties outside of marked flood zones. This underlines the policy’s importance for all homeowners, regardless of location. Policies backed by the National Flood Insurance Program offer secure coverage, even for the most severe floods.

Get Your Flood Insurance Policy

You’re exposed to potential severe flood damage if you don’t possess a flood insurance policy yet. Protect yourself from the havoc wrought by floods and the associated repair costs by contacting us at Saucon Insurance Agency in Bethlehem, PA, to get your policy in place.