You may be close to the water when you have a home in Gainesville, FL. However, a flood can happen even if you’re not near a body of water. It can come from an overflowing storm drain, heavy rainfall, and more.
Your home insurance isn’t going to protect you against a flood, which is why having flood insurance is critical. With the help of Peninsula Underwriters Insurance Agency, we can help you get the policy you need.
Tips for Buying Flood Insurance
Whether you live in a FEMA-identified flood zone or not, it can be a smart move to have flood insurance on your home in Gainesville, FL. You often don’t realize you need it until it’s too late.
Never buy a policy solely based on cost. Instead, focus on coverage, and don’t be afraid to customize the policy to meet your specific needs.
Here are a few tips:
- Ask questions about your policy in terms of what it does and doesn’t cover
- Ask if the coverage includes all aspects of your home
- Ask about the deductibles
- Explore discounts that may be available
Especially if your home does experience flooding, you want to know that your policy will cover the damage and provide you with options so that you have a place to stay if your home isn’t livable while the repairs are being made.
Choosing a Policy That’s Right for You
A good policy will cover your entire home. Additionally, the deductible should be affordable enough that you can pay it before starting any flood-related repairs.
You don’t have to approach policy shopping on your own. At Peninsula Underwriters Insurance Agency, we can answer questions and get quotes from top insurance companies. Call now to find out how we can help.
