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Most home buyers understand that protecting their new home with home insurance is crucial. Lenders and others with a vested interest in your home will require it. However, many homeowners overlook the necessity of flood insurance, leaving their homes under-protected. To learn more about this essential insurance policy, contact us at Smith Insurance Agency of West Virginia in Kingwood, WV.
Home and Flood Insurance in West Virginia
Many opt out of a flood insurance policy, assuming their home insurance will cover all possible disasters, including floods. Unfortunately, that’s incorrect. Home insurance does not cover damage caused by floods and explicitly excludes it from its coverage. Therefore, it’s essential to have both a home and flood insurance policy to ensure maximum protection and peace of mind against potential disasters.
Flood Coverage and Flood Zones
Some homeowners forgo flood insurance because their homes aren’t in a designated flood zone. However, floods don’t exclusively occur within these zones. Living in a flood zone only means a higher probability of floods over a specific timeline. Flooding can happen anywhere; interestingly, approximately 20% of all flood claims come from homes not situated within flood zones.
Advantage of Flood Insurance in West Virginia
You may have home insurance, but without flood insurance, you remain vulnerable. To get started with this essential coverage, contact us at Smith Insurance Agency of West Virginia in Kingwood, WV.
