When you own a home, you need insurance to protect yourself and your investment. One of these is home insurance, which is essential for financial protection in case of a damaging event. However, as a homeowner, you also need to have flood insurance. Every homeowner should have it for a number of reasons. If you don’t have flood insurance for your home, call us at Stalwart Insurance in Pittsburgh, PA.
Complete Protection
Many people don’t think they need to get flood insurance because they have a home insurance policy. However, floods aren’t covered under home insurance policies. Floods are specifically excluded from the coverage you get from them. To have full protection for your home, you need to have a flood policy in addition to your home policy.
Floods and Flood Zones
Another reason that many people believe they don’t need flood insurance is that they don’t live in a flood zone. Flood zones are designated areas known to flood on a certain schedule, such as every 20 or 50 years. When you live in a flood zone, getting flood insurance is required to mitigate the risk. However, not all floods happen in designated flood zones. When flood claims come in, about one in five are from an area outside of flood zones. That makes it necessary for all homeowners to have flood insurance for financial protection.
Get Your Flood Insurance Policy
It’s vital that you protect your home financially. It’s usually the largest investment that a homeowner has. If a flood happens to your home, it can cause extensive damage. If you only have home insurance, you’d be forced to pay for all the repairs yourself. Call us at Stalwart Insurance in Pittsburgh, PA to get flood insurance.
