The Reasons Why Flood Insurance Is Important For You

Consider these facts about floods and flood insurance:

• In the course of a 30 year mortgage, your home has a 9% chance of being damaged by fire. However, it has a 26% chance of being damaged by flood.
• It usually takes 30 days before flood coverage takes effect so keep that in mind when buying the insurance.
• The average flood losses in the United States are about $2.5 billion annually.
• Flood coverage is excluded from homeowner’s policies. So, this is a purchase you have to make separately.
• Flood insurance is not as expensive as you might think. For example, a $100,000 limit flood insurance policy may only cost about $33 per month.

Here are the different types of flood insurance you will find in Bradenton, FL & Port Charlotte, FL…

Building Property Flood Protection:  includes the building and its foundation; the electrical and plumbing systems; central air conditioning equipment, furnaces and water heaters, refrigerators, cooking stoves; built-in appliances such as dishwashers; permanently installed carpeting over an unfinished floor; window blinds;  debris removal and more.

In other words, you can sleep peacefully at night knowing your property will be protected in case of any unexpected flooding.

Personal Property Flood Protection: includes personal belongings such as clothing, furniture,  electronic equipment, curtains, portable and window air conditioners, portable microwave ovens and portable dishwashers, carpets not included in building coverage, clothing washers and dryers, food freezers and the food in them, and certain valuable items such as original artwork and furs (up to a policy limit of $2,500).

Due to these factors, you can rest easy knowing that your valuable personal belongings will be protected in case of any unexpected flooding.

If you need help deciding which type of flood protection suits you, then talk with our insurance experts at Horizon Insurance.

The Insurance Pros at Horizon Insurance

Representing over 30 insurance carriers, we will be able to find the flood insurance that truly protects your residence or your specific business.

Get your FREE flood insurance quote by filling out the Protection Savings form above. The sooner we receive your information, the sooner we will get you the best protection that will protect you in case of an unexpected flood. So don't delay another minute… Fill out the form now.