If you own a home, protecting it the best you can is one of your many responsibilities. When you have flood insurance, it protects you from another type of disaster that can ruin your home. If you need flood insurance in Mississippi, call us at Riverside Insurance Agency Inc. in Pearl or Byram, MS.
There are different types of floods and different causes behind flooding. For most floods, home insurance does not include it in the policy. If a flood were to happen and you didn't have flood insurance, you would have to pay to repair the house or rebuild it. That's why so many people get a separate flood insurance policy.
Many people choose to get flood insurance only if they are in a high-risk area for flooding. These are often near bodies of water that tend to flood or in areas where the lay of the land can lead it toward floods. However, about 20% of flood claims are in areas that are not at high risk. If those people hadn't gotten flood insurance, they may have had to start over with nothing. The recommendation from the National Flood Insurance Program is for everyone to get this coverage.
The National Flood Insurance Program sponsors flood insurance and backs it itself. That means that no matter where you buy your flood insurance, it will cost just the same. The insurance that you get, no matter where you buy it, originates from the government and its pricing. It's good news for those who don't want to do a lot of shopping around for their policy.
If you're in a high-risk area, you need flood insurance, but if you aren't in a high-risk zone, it is still an important part of your insurance protection. To find out more about these policies in Mississippi, give us a call at Riverside Insurance Agency Inc. in Pearl or Byram, MS.
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