Floods can destroy your home and your belongings, and if you don’t have flood insurance, it puts you in a bad spot. Even if you don’t live in a flood zone, you could still be hit by some form of flooding, and you want to be prepared if that happens. Below are three reasons you should consider getting a flood policy.

Why You Should Get Flood Insurance 

1. You Can Get Coverage Through the NFIP Program

The National Flood Insurance Program (or NFIP) provides affordable, comprehensive flood coverage to homeowners, protecting both property and possessions. Managed by FEMA, it’s designed to help property owners and renters recover from flood damage with minimal impact, and over 60 providers across the nation help distribute the coverage to the public. Anyone who lives in a participating area can be covered under this program.

2. It Offers Protection Beyond Natural Flooding

Flood insurance doesn’t just cover natural flooding, which is why everyone can benefit from it. It can cover situations like burst pipes, sewage backups, and basement flooding due to a sump pump failure. Each policy’s terms may vary by provider, so always check what your policy will and won’t cover.

3. It Protects Your Home & Your Wallet

Standard homeowners insurance usually doesn’t cover flood damage, even if it affects structures or properties that are otherwise covered. The damage that a flood causes often costs tens of thousands of dollars, with only one inch of water causing as much as $25,000 in damages. If you don’t have the right coverage for it, you’re left covering the costs of repairs and replacing possessions out of your own pocket.
 

For flood insurance you can count on, reach out to Russell Insurance Agency in Robertsdale, AL. Since 1998, they’ve put customers first, and they offer NFIP flood policies at affordable rates. Their team will work to create a policy that meets your needs and your budget. Explore their reviews online, and call (251) 947-3607 to get an insurance quote.