Why Flood Insurance Is So Important

Everyone should have flood insurance because of the unpredictable nature of flooding. Many people don’t get flood insurance because they have the wrong idea about where their flood protection should come from. However, if you own a home, you need to get this policy to protect the investment that you’ve made in your home and your belongings. When you need insurance in Mesa, AZ, call us at Freedom Insurance Agency.

Home and Flood Insurance

Many people don’t think about getting flood insurance because they assume their home insurance will pay for flood damage. However, home insurance doesn’t cover this type of disaster. If you have home insurance but no flood policy, you’ll have no coverage for the extreme damage that floods can cause. Flood insurance is backed by the government through the National Flood Insurance Program. This keeps funds available to policyholders who have damage from a flood so that you don’t have to worry about that. 

Flood Zones

There are many areas that are designated as flood zones. These are often rated with the amount of time that is average to have in between floods. This may be 25 years, 50 years, etc.  Often, these areas are beside bodies of water or prone to certain geological conditions. When a home is inside a flood zone, homeowners often seek out flood insurance. However, those areas are not the only ones that flood. Among flood claims, about one-fifth of them come from outside any flood zone. If you don’t go through the National Flood Insurance Program and get your flood policy, you could be surprised by a flood that causes excessive damage to what you own. 

Get Flood Insurance

If you don’t have a flood policy, it’s time to get started. Give us a call at Freedom Insurance Agency in Mesa, AZ.