St. Andrews Insurance Agency, Inc Blog: flood insurance
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Sunday, October 1, 2023Floods are the most common disasters in the country. And as if that weren’t bad enough, they are also the most costly disasters to recover from. These facts make it easy to see why homeowners should consider flood insurance to protect their property and wallets. But understanding your coverage is just as important as owning it. READ MORE >>
Friday, June 2, 2023Flood insurance covers damage to your home and the contents within your home due to the infiltration of water from an outside source. The National Flood Insurance Program (NFIP) definition of a flood is quite specific. A flood may be caused by rising tides, overflowing river banks or any sudden surge of water. READ MORE >>
Wednesday, August 10, 2022Do you need flood insurance? That is a key question to ask when you purchase a home. Let's look at the reasons you might need flood insurance. High Risk Area: If you live in a high risk area, then you definitely should consider flood insurance. Whatever institution holds your mortgage will often require it. READ MORE >>
Tuesday, March 15, 2022It’s quite common for property owners to believe they may not need flood insurance because they do not live in an area that is at a high risk for floods. The federal government creates very specific flood maps. These maps determine just how much risk is present in any given area based on a great deal of data. READ MORE >>
Friday, May 28, 2021Flooding can happen to anyone at any time. However, if you are in a high-risk flood zone, it’s important that you take the necessary precautions in protecting your home and your family. Since your homeowners insurance doesn’t protect your home from flooding, you should heavily consider purchasing flood insurance. READ MORE >>
Thursday, December 31, 2020 There are a few common exclusions you may come across when it comes to property insurance such as home insurance, renters insurance and commercial property insurance. One of these exclusions includes flooding. Damage to your property caused by flooding is not often covered by property insurance, although there is no clear reason why this is. READ MORE >>
Wednesday, July 15, 2020 Flooding is a danger that is often excluded from property insurance policies, such as home insurance and renters insurance. Thankfully, you can often purchase an additional flood insurance policy to cover water damage to your home and personal belongings. Unfortunately, even flood insurance can't cover everything. READ MORE >>
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