Month: June 2024

There is a lot to understand when shopping for a home insurance policy in Alabama. A common question at Surety Ins Inc. involves whether a policy covers flooding. Every year, flooding causes billions of dollars in damage to homes. Understanding the details of your homeowner’s insurance policy is imperative to make informed decisions.

Does Home Insurance Cover Flooding?

Home insurance typically does not cover flooding. You would need a supplemental policy for such coverage, especially if you live in a high-risk area. It’s essential to carefully review the details and exclusions of your insurance policies to ensure that you have adequate coverage for all potential risks. Investing in flood insurance can provide valuable protection for your property. It’s important to note that it’s not the same as a burst pipe or sewer backup, which may be covered under a standard homeowner’s policy.

Is Flood Coverage Required In A Flood Zone?

If your property is in a higher-risk area designated as a flood zone, lenders will most likely require flood insurance due to the potential for significant property damage. Even for homeowners who don’t live in a higher-risk area, it’s a common decision to have additional coverage. Flooding can occur even if you don’t live in one of these areas.

Find Out More About Home Insurance In Alabama

At Surety Ins Inc., it’s our goal to keep our clients informed about their home insurance options in Alabama. Understanding your policy coverage for events like flooding can help you make the best decisions for your family. Contact our team if you need an estimate or have any questions about our services.