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Why Do We Need Flood Insurance

two guys pushing a car to move forward in during flood

Floods can happen anywhere, at any time, and to anyone. Oneprime insurance brokerage understands the importance of flood insurance and can help you understand why it is needed.

Flood insurance is needed because most standard homeowners insurance policies do not cover damage caused by floods. Flood insurance provides protection against the devastating effects of floods, which can cause significant damage to homes and personal property.

Flood insurance can cover both the structure of your home and your personal property, including furniture, electronics, and other valuable items. Without flood insurance, homeowners may be left to cover the costs of repairs or replacement on their own, which can be financially devastating.

Flood insurance is particularly important for homeowners who live in areas that are prone to flooding. These areas are typically designated as Special Flood Hazard Areas (SFHAs) by the Federal Emergency Management Agency (FEMA). Homeowners in SFHAs may be required to carry flood insurance as a condition of their mortgage.

Even if you do not live in an SFHA, it is still important to consider flood insurance. According to FEMA, more than 20% of flood claims come from properties located outside of high-risk flood zones. This means that floods can happen anywhere, and homeowners should take steps to protect their property by purchasing flood insurance.

In conclusion, Flood insurance is crucial for protecting your home and personal property from the devastating effects of floods. Oneprime Insurance Brokerage can help you understand the importance of flood insurance and ensure you have the right coverage in place. Homeowners who live in SFHAs may be required to carry flood insurance as a condition of their mortgage, but even if you don’t live in a high-risk flood zone, floods can happen anywhere. Protect your home and your peace of mind by investing in flood insurance today.

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