Flood insurance is an important type of insurance if you live in a high-risk flood area. Since homeowners insurance won’t cover damage due to floods, getting a flood insurance policy is the only way to protect yourself from the costs associated with repairing a home after a flood.
At Kingston Insurance Agency LLC, servicing South Kingstown, RI, we’re here to answer your questions about flood insurance and help ensure your flood insurance policy is adequate for your needs. We’re a resource for our customers, and we’re also the subject matter experts on everything related to insurance. If you’re trying to decide whether your flood insurance policy is right for you, here’s what you need to know.
What Is Flood Insurance?
Flood insurance is a type of insurance that can repair your home that a flood has damaged. Flood insurance covers direct physical losses to your home’s structure following a flood. Flood insurance also provides coverage if your belongings are damaged by a flood as well.
Flood Insurance is a type of insurance that the National Flood Insurance Program offers.
How Can I Be Sure My Flood Insurance Is Adequate?
When you’re getting flood insurance for your home, you’ll work with your insurance agent to ensure adequate flood insurance coverage. The National Flood Insurance Program places limits on how much it will cover for structure and belongings, so if the coverage offered by the NFIP isn’t enough, your insurance agent may recommend getting a policy from a private flood insurance provider.
Have questions? Kingston Insurance Agency LLC, servicing South Kingstown, RI, can help. We offer various insurance services and are happy to answer your questions. Call today.
