Why You Need Both Home and Flood Insurance Policies

If you’re a homeowner, it’s your job to protect your home and ensure it’s covered in case of serious events. There are a lot of things that can happen to a house and cause damage. When you don’t have the right insurance for your home, you would be on the hook for paying for all the damage. If you have a home insurance policy, you may not be as safe from possible risks as you think. For flood insurance, call us at McCormick Insurance Inc. in Pembroke Pines, FL, to learn more. 

Home Insurance and Floods

If you have a home policy, that’s a good step toward protecting your home and yourself. However, a home policy doesn’t protect against everything. Floods are generally excluded from this coverage. If you only had a home insurance policy and a flood happened, you would have to pay for all the damage yourself. This damage can be extreme and expensive. When you add a flood policy to your insurance coverage, you’re well protected against floods. 

Everyone Needs Flood Insurance 

Some people don’t get flood insurance because they think their home insurance will cover flood damage. Some don’t get this coverage because they think they live in an area that won’t flood. However, virtually every area is subject to flooding. That’s true whether or not you live in a flood zone. About a fifth of all flood claims come from areas not designated as flood zones. That makes it important to get this policy no matter how your home is situated. 

Get Flood Insurance

It would be best to have both home and flood insurance to protect yourself financially. To get a policy of your own, call us at McCormick Insurance Inc. in Pembroke Pines, FL, to get started.