You don’t have to own waterfront property to need flood insurance. High water can happen where you least expect it. Not every flood comes from a hurricane, tidal surge, or raging river. Increased development, clogged or insufficient storm drains, spring thaw, and excessive rain, ice or snow all contribute to unexpected flooding. Just a few inches of water from a flood can cause tens of thousands of dollars in damage.
What most people fail to realize – until it’s too late – is that homeowners insurance does not cover floods.
Enter flood insurance.
Whether you live in a home, condo, co-op, or apartment, or own a business, Hometown Insurance Agency can provide you with a flood insurance policy backed by the federal government. Flood insurance can be more affordable than you think. Just ask us for a free, no-obligation rate quote.
Flood Insurance Offers You:
- Building Coverage. Covers damage to your dwelling and items such as the furnace and water heater.
- Contents Coverage. Covers your furniture, rugs, appliances, and clothing (subject to limitations in basement areas).
- Property Protection. Pays for sandbagging and other expenses for preventing flood damage.
- Clean-Up Reimbursement. Covers costs of cleaning your home and removing debris after a flood.
There is a mandatory 30-day waiting period (beginning on the date of purchase) before your new flood insurance policy becomes effective. Your policy won’t provide any coverage until that 30-day period passes. Don’t wait until the waters begin to rise. If you’ve been thinking about flood insurance, now is the time to buy it.