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Get Free Flood Insurance Quotes
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Insurance
Only
Flood Insurance Will Cover Your Flood Losses
If an individual relies on a homeowners insurance policy to cover
whatever flood damage occurs, the result will not be favorable to
the property owner. Only flood insurance will cover such losses.
Because flood insurance has a 30-day waiting period, property owners
should not let an imminent flooding force a decision to obtain this
insurance.
There are two basic insurance policies that deal with
a homeowner's damage due to water -- a flood insurance policy and a
homeowner's insurance policy. Losses not covered by one of these
policies may be covered by the another policy. Knowing the losses to
which your home could be exposed will help you decide whether to buy
one or both of these insurance coverages.
While insurance
policies may differ in the coverages provided, often there are basic
features common to all policies. The homeowner should ask his or her
insurance professional about the specifics of one's specific
insurance policy. In the meantime, the following general information
is based on standard insurance policies.
FLOOD INSURANCE
As the name implies, a standard flood insurance policy, which is
made available by the National Floor Insurance Program, provides
coverage up to the policy limit for damage caused by flood. The
dictionary defines "flood" as a rising and overflowing of a body of
water onto normally dry land. For insurance purposes, the word
"rising" in this definition is the key to distinguishing flood
damage from water damage. Also important to note is that flooding
must be general and temporary, and it must affect more than just one
property.
Generally, damage caused by water that has been on the
ground at some point before damaging your home is considered to be
flood damage. Examples of flood damage may include:
Flood damage to your home can be insured only with a flood
insurance policy -- no other insurance will cover flood damage.
Flood insurance is available through your insurance professional. To
determine if your home is located in a flood plain, contact your
county planning office. If you are living in a flood plain, flood
insurance may be an excellent purchase.
HOMEOWNERS INSURANCE
A homeowners insurance policy does not provide coverage for flood
damage, but it does provide coverage for many types of water damage
to your home. Just the opposite from flood damage, for insurance
purposes, water damage is considered to occur when water damages
your home before the water comes in contact with the ground. A few
examples of water damage may include:
Even if your homeowners insurance policy doesn't cover the water
or flood damage you've experienced, losses from theft, fire or
explosion resulting from that damage are covered. For example, if a
nearby creek overflows and floods your home, and looters steal some
of your possessions after you've evacuated the house, the theft
would be covered by your homeowners insurance. However, the flood
damage would be covered only if you have flood insurance.
Flood
insurance and homeowners insurance do not duplicate coverage for
water damage. Instead, they complement each other. It is up to you
to talk to your insurance professional about flood insurance and
homeowners insurance and then decide which insurance coverage you
need to protect your home, its contents and your family.
Free-insurance-quotes-4-you.com offers a convenient way to
comparison shop for Flood Insurance Quotes and more in a secure, pressure-free
environment. You don't have to leave home, spend hours on the phone
or jump through hoops to get the best insurance quotes. It’s easy to use, and
it costs nothing to apply.
Finding Flood Insurance Quotes is as simple as entering these
words into a search engine. In addition to Flood Insurance Quotes, you will be able to find
insurance quotes for any type of insurance when using Free-Insurance-Quotes-4-You.com.
Shopping around for Flood Insurance Quotes is the best way to save money on your insurance.
You can compare free online insurance quotes from many of the
nation’s leading insurance companies.
We offer quotes for auto
insurance, term life insurance, homeowners insurance,
individual health insurance and more.
Each of these insurance companies below offer free quotes on a wide range of
insurance choices. To make sure you get the most competitive
Flood Insurance Quotes, we suggest that you get a free online insurance quote from Free-Insurance-Quotes-4-You.com.
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