I don’t live in a flood zone. Do I need flood insurance?

Most homeowners insurance policies don’t include flood insurance, so it can be difficult to determine if it’s a logical or wise investment. Speaking with one of our Austin, TX, team members at Armadillo Insurance Agency is a great way to determine if it’s a good investment. Our team is committed to helping people make educated decisions about insurance.

What is flood insurance?

Flood insurance can be purchased through the government-based National Flood Insurance Program or NFIP and private insurance companies. It’s designed to cover any losses as a result of flooding to the structure of your home, its walls, interior, exterior, your personal belongings, and more. A flood insurance policy covers any damage that results from flooding. This coverage also includes cleaning your home and its surrounding land, electrical, plumbing, flooring, basements, and more. Flood insurance also covers other structures or dwellings on your property.

I don’t live in a flood zone. Do I need flood insurance?

Believe it or not, annually, flooding occurs in many non-flood-zoned areas and moderate or low-risk areas. As a result, flood insurance is a wise investment. Natural disasters are unpredictable and hard to anticipate. It’s often better to be prepared for a disaster rather than unprepared. Flood insurance is that extra layer of peace of mind that can be key if you’re faced with an unexpected natural disaster like flooding. However, an insurance agent can help you decide on investing in flood insurance. If you have questions, call us. We’d be happy to answer them.