Hotaling Insurance Services Logo

Why You Need Flood Insurance

Flood Insurance

Table of Contents

Why You Need Flood Insurance

Blog Introduction: As a homeowner, one of the most important things you need to protect yourself against is flooding. Flood insurance helps cover your property and possessions in the event of a flood from tidal waters or excessive rain. This kind of insurance safeguards you from financial losses due to flooding, so it’s worth looking into if you live in an area that is prone to floods.


Do I Need Flood Insurance?

Before you decide whether or not to get flood insurance, the first thing you should do is assess your risk. If your home is located in an area with a history of flooding then it’s definitely worth exploring. Talk to your local insurance agent and ask them what kind of coverage they offer and how much it would cost to get covered. It’s important to remember that standard homeowners insurance policies do not cover flooding—so even if you already have homeowners insurance, you may still want to consider getting flood insurance as well.


How Does Flood Insurance Work?

Once you’ve decided that flood insurance is right for you, it’s time to look into how it works and what kind of protection it offers. Generally speaking, there are two types of flood policies available—one for buildings (which covers structural damage) and one for contents (which covers personal belongings). Depending on where your home is located and what kind of risks are associated with flooding in that area, the costs for these policies can vary significantly from one insurer to another.

It’s also important to note that some insurers may require additional coverage options beyond just basic building and contents coverage. For example, they may require sewer backup coverage or special endorsements such as “overland water” coverage which provides extra protection against water seeping through walls or ceilings due to heavy rainfall or snowmelt. Be sure to talk with your agent about all the different kinds of coverage available so that you know exactly what type of protection you’re getting for your money.



Flooding can be devastating both emotionally and financially—but with the right flood insurance policy in place, you don’t have to worry about suffering major losses due to unexpected floods from tidal waters or excessive rain. By assessing your risk level, talking with your local insurance agent about coverage options, and making sure that all necessary endorsements are included on your policy, you can ensure that your property will remain safe no matter what Mother Nature throws at it! So don’t wait until disaster strikes; get covered today!


Get Quote Here