Does Your Home Need a Flood Insurance Policy?

Having flood insurance can be an important part of protecting your home. Even if you’re not in a flood zone, where your lender would require the insurance, it can still be valuable. Not only does it add to your peace of mind, but it’s worth remembering that it can flood anywhere it rains. At Everett Insurance, we’re committed to helping customers in the Glen Allen, VA area get the right flood policies for their homes. That way, they’ll have the extra protection they need and deserve, so they don’t have to worry when it storms.

For homes that are in the flood zone and have a mortgage, a flood policy is required. Standard home insurance policies don’t cover floods, so the extra coverage is something a lender will ask for. Homes that aren’t in the flood zone, or homes that don’t have a mortgage, don’t have to have flood coverage. But it’s still a good idea to have a policy for those "just in case" kinds of issues. You’ll sleep better at night knowing that your home is protected, and if there’s a flood, you won’t lose your largest asset due to a lack of coverage.

If you’re in the Glen Allen, VA area, reach out to us today at Everett Insurance. We’re here to help you get the flood insurance you’re looking for. Whether you need to satisfy a lender’s requirements or you want to make sure you’re properly protected for your own peace of mind, we can help. There are options to consider for levels of coverage, and we’ll work with you to choose the one that’s right for your lifestyle and needs. Our agents can answer all your flood policy questions, too, so you can make an informed choice about your policy and your coverage levels.