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After a major storm in Georgia, damaged property, fallen trees and power outages are the most common outcomes. For some victims, another calamity can be just as devastating: floods. The unfortunate reality is most homeowners don't get flood insurance because they don't think it's needed. While BestRate Auto Insurance in Statesboro and Vidalia, GA, is known for its affordable car insurance plans, the agency is all too familiar with the consequences of clients not having flood insurance.

One of the most common questions customers ask agents is, “Do I really need coverage to protect my home or business from flooding?” It all starts with property location. The FEMA Flood Map Service Center pinpoints designated flood zones across the country. However, consider securing flood insurance if your residence or office building is situated near rivers, lakes and other waterways but not found in the FEMA flood zones.

Another way to know if you need flood insurance in Georgia is if you live in an area that is prone to hurricanes and other heavy storms. States such as Florida, those along the East Coast, and those bordering the Gulf of Mexico are more susceptible to floods. With the recent hurricanes that caused extensive damage in Texas, Florida, South Carolina and Georgia, some property owners were caught off guard by destructive flooding.

flood insuranceIf you have a mortgage from a federal government agency and live in a designated flood zone, most of those lenders are required to provide flood insurance. Other private lenders may instead require their borrowers to obtain a policy if they're in a high-risk flood area. Keep in mind that this type of coverage is separate from standard home insurance. Premiums and coverage are typically determined by whether the structure and its content are being covered. Most flood insurance plans don't go into effect until 30 days after the agreement is signed.

When it comes to unpredictable weather, being proactive can save time, money and heartache. Let the experienced team of bilingual agents at BestRate Auto Insurance assist you with your flood insurance needs. To learn more, call (912) 489-5942 in Statesboro or (912) 403-3250 in Vidalia. Visit the website for information on other policies to protect you and your loved ones.

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