Do All Homeowners Need Flood Insurance?

Do you have flood insurance? If not, you are putting your home investment in jeopardy. It’s worth knowing that flooding can occur anywhere in America and anytime. And the unfortunate thing is that your standard home insurance won’t cover flood damage. So, if you don’t have flood insurance in Baton Rouge, LA, please contact Insurance & Financial Services Inc. for affordable coverage.

Do all homeowners need flood insurance?

I have home insurance. I don’t live near a coastline. I have paid off my mortgage. Do I need flood insurance? Good question! You may have home insurance, but it won’t protect you when floods strike unless you have a flood insurance rider. Yes, you may not live near a flood zone, but floods can strike anywhere. Have you ever heard about flash floods? Anywhere it rains, it can flood.

Complying with your mortgage requirements shouldn’t be the only motivation to purchase flood insurance. Flood insurance comes to your rescue any time floods strike. This way, you don’t have to start from scratch when floods ravage your beloved home.

Why every homeowner needs flood insurance

Now that we can agree every homeowner needs flood insurance, let’s look at the benefits of flood insurance. They include:

  • Protects your home structure: Flood insurance covers damage to your home, meaning you don’t have to incur out-of-pocket costs when disasters strike.
  • Protects your assets: Flood insurance safeguards the assets inside your home, ensuring you don’t start from scratch when floods occur.
  • Gives you peace of mind: If you have invested in flood insurance, you don’t have to be edgy every time the weatherman forecasts an impending storm.

Ready to get started with flood insurance in Baton Rouge, LA? Please get in touch with Insurance & Financial Services Inc. for an affordable quote.