You might think your homeowners insurance policy protects you against floods, but the truth is it probably doesn’t. Floods that are caused by natural disasters, and not a burst pipe, require special flood insurance. If you live in an area prone to floods, here are three benefits of purchasing this policy.

Why You Should Have Flood Insurance

1. To Protect the Structure of Your House

Floods are one of the most common natural disasters in the United States. This is not just the case for high-risk areas, either. In fact, 20% of all flood claims are from places outside of the high-risk zones.

Purchasing flood insurance will protect your house if it is flooded by a natural disaster, such as torrential rainfall. A standard flood policy will insure the structure of your home, which includes the foundation, flooring, walls, and roof.

2. To Cover the Contents in Your Home

Not all policies will automatically cover the contents inside of your home. Luckily, even if your policy doesn’t, this is something that can be added. You can even purchase a policy to cover your personal belongings if you rent. You may need to catalog your items and submit them to your insurance agency to be fully protected.

3. So that You Have Enough Coverage

Many people forgo flood insurance because they think FEMA disaster assistance will be enough. FEMA is not insurance, though. It is a low-interest loan you can obtain to make your home habitable if it is declared a disaster. It must be repaid and comes with limits.

When you purchase flood insurance, you are not required to pay anything back, and you can choose limits and coverage that are high enough to make your house whole again.

If you’re looking for a great flood insurance policy, contact the agents at BestRate Auto Insurance in Statesboro, GA. The agents will work hard to obtain a flood insurance policy that is ideal for your unique situation. They will make obtaining insurance and filing claims as fast and easy as possible. Visit their website to learn more or contact them at (912) 489-5942 to get a free quote.